Consumer Financial Behavior
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Consumer Financial Behavior
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Author : W. Fred Van Raaij
language : en
Publisher: Now Publishers
Release Date : 2014-12-01
Consumer Financial Behavior written by W. Fred Van Raaij and has been published by Now Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-12-01 with Business & Economics categories.
Consumer financial behavior is a domain between micro-economics, behavioral finance, and marketing. It is based on insights and behavioral theories from cognitive, economic, and social psychology (biases, heuristics, social influences), in the context of and sometimes in conflict with micro-economic theories of consumers, investors, and markets. Behavioral finance has a descriptive approach, how people make financial decisions. Not always rational, but often in a systematic irrational way. Consumer financial behavior is also a basis and starting point for the marketing management of financial products and services, as well as for consumer education and protection policy. This monograph is on the determinants/drivers and consequences of spending, saving, borrowing, insuring, and investing. Ultimately, this monograph is on the financial requirements for financial inclusion, and participation in present society with its myriad of products and services, experiences, social media, information (overload), and the pursuit of meaning, satisfaction, happiness, and wellbeing.
Understanding Consumer Financial Behavior
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Author : W. Fred van Raaij
language : en
Publisher: Springer
Release Date : 2016-07-15
Understanding Consumer Financial Behavior written by W. Fred van Raaij and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-07-15 with Business & Economics categories.
Government policies, marketing campaigns of banks, insurance companies, and other financial institutions, and consumers' protective actions all depend on assumptions about consumer financial behavior. Unfortunately, many consumers have no or little knowledge of budgeting, financial products, and financial planning. It is therefore important that organizations and market authorities know why consumers spend, borrow, insure, invest, and save for their retirement - or why they do not. Understanding Consumer Financial Behavior provides a systemic economic and behavioral approach to the way people handle their finances. It discusses the different types of financial behaviors consumers may engage in and explores the psychological explanations for their behavior and choices. This exciting new book is essential reading for scholars of marketing, finance, and management; financial professionals; and consumer policy makers.
A Research Agenda For Consumer Financial Behavior
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Author : Jing J. Xiao
language : en
Publisher: Edward Elgar Publishing
Release Date : 2023-06-01
A Research Agenda For Consumer Financial Behavior written by Jing J. Xiao and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-06-01 with Business & Economics categories.
With contributions from an international range of active researchers, this Research Agenda provides a timely literature review on core topics related to consumer financial behavior. Chapters cover financial management behavior, desirable financial behavior and any financial behavior that helps improve financial wellbeing.
Consumer Financial Behavior
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Author : Willem Frederik Raaij
language : en
Publisher:
Release Date : 2012
Consumer Financial Behavior written by Willem Frederik Raaij and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
The Psychology Of Financial Consumer Behavior
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Author : Dominika Maison
language : en
Publisher:
Release Date : 2019
The Psychology Of Financial Consumer Behavior written by Dominika Maison and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with BUSINESS & ECONOMICS categories.
This book stresses the psychological perspective in explaining financial behavior. Traditionally, financial behaviors such as saving, spending, and investing have been explained using demographic and economic factors such as income and product pricing. The consequence of this way of thinking is that financial institutions view their clients mostly from the perspective of their income. By taking a psychological approach, this book stresses the perspective of consumers confronted with a quickly changing financial world: the changing of financial offers and products (savings, investments, loans), the changing of payment methods (from cash to cheques, cards and mobile payments), the accessibility and temptation of goods, and the changing of insurance and pension systems. The Psychology of Financial Consumer Behavior provides insight into the thought processes of consumers in a variety of financial topics. Coverage includes perceptions of wealth, the pleasure or pain of spending, cashless transactions, saving and investing, loans, planning for the future, taxes, and financial education. The book holds appeal for researchers, professionals, and students in economics, psychology, economic psychology, marketing and consumer science, or anyone interested in financial behaviors.
Values And Consumer Financial Behavior
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Author : Maria Martin
language : en
Publisher:
Release Date : 1988
Values And Consumer Financial Behavior written by Maria Martin and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988 with Consumers categories.
Consumer Economic Wellbeing
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Author : Jing Jian Xiao
language : en
Publisher: Springer
Release Date : 2015-06-01
Consumer Economic Wellbeing written by Jing Jian Xiao and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-06-01 with Social Science categories.
This timely text overviews theories, concepts, and contexts relating to the emerging field of behavioral economics. Research theories and data gathered across psychology, sociology, marketing, finance, and other relevant disciplines are synthesized to identify and elaborate on the defining aspects of consumer economic wellbeing. Against a background of consumer rights and responsibilities, the book discusses consumer phenomena of earning, spending, saving, and borrowing and their contributions to improving (and in some cases to worsening) economic wellness. In addition, the author presents effective ways consumers can be encouraged to navigate key economic environments such as the media, advertising, and the internet, and to change negative financial behaviors. Among the featured topics: Historical perspective on consumer economic wellbeing. Consumer financial capability and economic wellbeing. The role of government in promoting consumer economic wellbeing. Corporate social responsibility. Theories of online shopping and e-banking. Desirable and undesirable consumption behavior. Consumer Economic Wellbeing clarifies issues and provides insights for researchers in the fields of consumer psychology and economics, psychologists and mental health professionals, and policy analysts. It is also useful as a text for college courses in related subjects.
Handbook Of Consumer Finance Research
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Author : Jing J. Xiao
language : en
Publisher: Springer Science & Business Media
Release Date : 2008-01-03
Handbook Of Consumer Finance Research written by Jing J. Xiao and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-01-03 with Psychology categories.
Debt consolidation; pension givebacks; Social Security under siege; bankruptcies and foreclosures; Americans’ financial lives are fraught with issues, challenges, and potential threats, in record numbers. The Handbook of Consumer Finance Research surveys the social aspects of consumer behavior, offering latest data and original research on current consumer needs as well as identifying emerging areas of research. This accessible volume (which can be read without advanced training in the field) starts with current concepts of risk tolerance, consumer socialization, and financial well-being, and moves on to salient data on specific settings and populations, including: Healthcare spending and retirement savings; Online shopping and e-banking; Family finances: marriage, parent/child communications, student spending; Financial concerns of special groups: minorities, seniors, the poor; Management issues of business-owning families; Consumer protection in fair lending. Given the current climate of rising debt and negative savings, the Handbook is timely and instructive reading for educators, researchers, and policymakers who wish to develop or evaluate financial education programs, design research initiatives, and understand better how to help families with the economic problems of our times. It can also serve as a graduate text in economics, finance, consumer science, business, and family studies.
Risk And Time Preference In Consumer Financial Behavior
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Author : Brigitte Fünfgeld
language : en
Publisher:
Release Date : 2017
Risk And Time Preference In Consumer Financial Behavior written by Brigitte Fünfgeld and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with categories.
We conducted experiments to elicit risk attitudes and time preferences for 161 participants up to the age of 84 years old. These are compared to their self-reported behavior in daily financial matters. The results show that individual differences in financial behavior are significant in predicting risk and time preferences. Risk aversion is linked to precautionary saving and spending and is inversely correlated with an interest in finance. More consistent time discounting goes with an interest in finance and concern about saving, whereas the level of anxiety predicts hyperbolic discounting behavior.
Consumer Behavior
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Author : Gideon Fairchild
language : en
Publisher: Publifye AS
Release Date : 2025-02-28
Consumer Behavior written by Gideon Fairchild and has been published by Publifye AS this book supported file pdf, txt, epub, kindle and other format this book has been release on 2025-02-28 with Business & Economics categories.
Consumer Behavior explores the intricate world of financial decision-making, revealing how individual and household choices shape broader economic trends. This book examines the psychological and economic factors driving spending habits, savings strategies, and investment choices. For example, cognitive biases like loss aversion significantly impact investment decisions, while understanding the economics of saving is crucial for long-term financial security. Beginning with microeconomic principles and behavioral economics, the book progresses to analyze the influence of cognitive biases on spending and the determinants of saving. It further explores financial investments, risk aversion, and market efficiency. Uniquely, it integrates economics with psychology, sociology, and marketing to provide a holistic view. Supported by empirical research, Consumer Behavior offers practical applications for businesses, policymakers, and individuals seeking to improve their financial well-being.