A1a The effect of anthropomorphism of female virtual influencers on women’s objectification and social comparison
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 1
Submitter
Jeeweon Wee, Korea University
Authors
Jeeweon Wee, Korea University
Yoon-Jung Lee, Korea University
A1b Unequal Returns: Wage Disparities among LGBTQ+ Individuals through Human Capital and Intersectionality Frameworks – Implications for Consumer Well-Being
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 1
Submitter
Hye Jun Park, Purdue University
Authors
Jake G. Zavala Zavala, University of Georgia
Hye-Jun Park, Purdue University
Wookjae Heo, Purdue University
A1c When the game stops being fun: understanding the relationship between gamification and consumer distress
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 1
Submitter
Lisa Baiwir, HEC Liège
Authors
Lisa Baiwir, HEC Liège
Laurence Dessart, HEC Liège
Cécile Delcourt, HEC Liège
A2a From Perception to Loss: A Two-Phase Approach to Measuring Financial Fraud
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 2
Submitter
Kyoung Tae Kim, PhD, The University of Alabama
Authors
Kyoung Tae Kim, PhD, The University of Alabama
Jonghee Lee, PhD, Inha University
Sunwoo Lee, PhD, Sungkyunkwan University
A2b Mobile Fintech Usage and Consumers' Exposure to Financial Fraud
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 2
Submitter
Yeqi Zhu, University of Georgia
Authors
Yeqi Zhu, University of Georgia
Lu Fan, University of Georgia
A2c The Determinants of Financial Awareness: A Quantile Regression Approach
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 2
Submitter
Donald Lacombe, Texas Tech University
Authors
Sandra J. Huston, Ph.D., Texas Tech University
Nasima Khatun, Florida State University panama city
A3a Financial Resilience and Financial Disagreement Mediate the Associations between Economic Adversity and Dyadic Marital Satisfaction: Exploring Within- and Between-Couple Differences and Moderations in Multilevel Modeling
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 3
Submitter
Zewei Liu, The Chinese University of Hong Kong
Authors
Zewei Liu, The Chinese University of Hong Kong
Ji-Kang Chen, The Chinese University of Hong Kong
A3b Flood Events and Precautionary Savings
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 3
Submitter
Juan S Sandoval, University of Georgia
Authors
Juan S Sandoval, University of Georgia
A3c Generational Differences in Emergency Fund Savings: An Analysis of Demographic, Economic, and Predictive Behavioral Factors Among Millennial and Generation X Households
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 3
Submitter
Mo Buckner, MBA, Kansas State Univeristy
Authors
Mo Buckner, MBA, Kansas State Univeristy
A4a But Who Supports Mama? Examining the Roles of Social Support and Basic Psychological Needs Satisfaction in Pregnancy and Postpartum Mental Health
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 4
Submitter
Grace Palmer, University of Georgia
Authors
Grace Palmer, University of Georgia
Dr. Dee Warmath, Ph.D., University of Georgia
A4b Hard Financial Times, Strong Bonds: Love, Purpose, and Mental Health
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 4
Submitter
Shinae L. Choi, Ph.D., The University of Alabama
Authors
Shinae L. Choi, Ph.D., The University of Alabama
Matthew Scarpelli, The University of Alabama
A4c Material hardship, risky health behaviors, and mental health
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 4
Submitter
Tae-Young Pak, PhD, Sungkyunkwan University
Authors
Youngjoo Choung, Inha University
Dr. Swarn Chatterjee, PhD, University of Georgia
A5a Exploring the Relationship between Health and Financial Literacy among Emerging Youth: A Qualitative Study
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 5
Submitter
Marlene Haupt, Munich University of Applied Sciences (HM Munich)
Authors
Mousumi Singha Mahapatra, Institute of Public Enterprise
Marlene Haupt, Munich University of Applied Sciences (HM Munich)
A5b Financial Literacy among Generation Z: A Comparative Study between France and Germany
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 5
Submitter
Nadège Ribau-Peltre, Université de Lorraine
Authors
Nadège Ribau-Peltre, Université de Lorraine
A5c What Makes Refurbished Acceptable? A Two-Stage Study of Purchase Intention and Discount Thresholds
Tuesday, April 14, 2026 at 8:30 AM–10:00 AM CDT
Room 5
Submitter
Youhyeon Seo, Chonnam National University
Authors
Youhyeon Seo, Chonnam National University
Eunjung Lim, Korea Consumer-centered Enterprise Association (KCEA)
Eunsil Hong, Chonnam National University
Jiyeon Son, Chonnam National University
B1a Buy Now, Pay Later: Financial Flexibility or Financial Fragility?
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 1
Submitter
Patrick Tito Buah-Bassuah, Texas Tech University
Authors
Patrick Tito Buah-Bassuah, Texas Tech University
Vikesh Kumar, North Carolina A&T State University
Theophilus Amanfo, Texas Tech University
B1b Left Behind by Design? Unmet HEALTH Needs, Medical DEBT, Caregiving, and Household Financial WELL-BEING in the U.S.
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 1
Submitter
Joshua Omotoso, Texas Tech University
Authors
Patrick Tito Buah-Bassuah, Texas Tech University
Joshua Omotoso, Texas Tech University
B1c The Dual Role of Convenience and Stress: Buy Now, Pay Later and Household Financial Well-Being
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 1
Submitter
Sunwoo Lee, Sungkyunkwan University
Authors
Sunwoo Lee, Sungkyunkwan University
Kyoung Tae Kim, PhD, The University of Alabama
Juha Lee, University of Georgia
B2a Balancing Multiple Savings Goals: A Unified Framework of Short- and Long-Term Saving
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 2
Submitter
Xiaoyuan Sun, Univercity of Georgia
Authors
Xiaoyuan Sun, Univercity of Georgia
Dr. Travis P. Mountain, Phd, The University of Georgia
B2b Household Structure, Financial Capability, and Retirement Readiness
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 2
Submitter
Ohireime O. Ojeomogha, Texas Tech University
Authors
Stuart Heckman, Texas Tech University
Miranda Reiter, Ph.D., CFP(R), Texas Tech University
Dr. Chris Browning, Ph.D., Texas Tech University
Devin Mills, Texas Tech University
B2c Short-Term Gains, Long-Term Pains: How Borrowing and Cashing-Out Impact Retirement Readiness
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 2
Submitter
Rose Wakiria, Texas Tech University
Authors
Rose Wakiria, Texas Tech University
Joshua Omotoso, Texas Tech University
B3a Enhancing Financial Self-Efficacy through Financial Literacy: Leveraging Financial Education Mandates as an Instrument Variable to Examine Causal Pathways
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 3
Submitter
Ichchha Pandey, Augusta University
Authors
THOMAS KORANKYE, Ph.D., CFP®, University of Arizona
Ichchha Pandey, Ph.D., CFP®, Augusta University
Ferdous Ahmmed, Ph.D., Missouri State University
B3b Financial Self-efficacy and Female Finances: Suggestions for Mitigating the Gender Gap
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 3
Submitter
Ashley McWhorter Keamo, Texas Tech University
Authors
Ashley McWhorter Keamo, Texas Tech University
Blake Gray, Kansas State University
B3c Mind the Bias: Educational Mandates and the Perception Bias in Financial Knowledge
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 3
Submitter
Taufiq Quadria, The University of Akron
Authors
Taufiq Quadria, The University of Akron
Israt Jahan, University of Wisconsin La Crosse
B4a Does Cash Assistance Achieve Food Security? Evidence from South Korea's Livelihood Benefit Program
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 4
Submitter
Namhoon Kim, Ph.D., Pusan National University
Authors
Sang-Hyo Kim, Korea Rural Economic Institute
Namhoon Kim, Ph.D., Pusan National University
B4b Federated Digital Twins to Monitor Consumers' Wellbeing
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 4
Submitter
Jacob hornik, Tel Aviv University
Authors
Matt Rachamim, Bar Ilan University
B4c Impact of Accessibility on Beneficiary Satisfaction in the Food Voucher Program: Evidence from South Korea’s National In-Kind Food Assistance
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 4
Submitter
Sang-Hyo Kim, KREI
Authors
Sang-Hyo Kim, Korea Rural Economic Institute
Yong-Ji Kim, Jeonnam Research Institute
Namhoon Kim, Ph.D., Pusan National University
B5a Developing and Validating the Individual Financial Access Scale: A Multidimensional Measurement Tool for Consumer Financial Wellbeing
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 5
Submitter
Dr. Julie M Birkenmaier, PhD, Saint Louis University
Authors
Jin Huang, Washington University in St. Louis
Dr. Julie M Birkenmaier, PhD, Saint Louis University
Yingying Zhang, Saint Louis University
B5b Tracking Every Dollar: How Do Information Sources and Financial Access Support Budgeting?
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 5
Submitter
Ms Madelaine Reid L'Esperance, PhD, The University of Alabama
Authors
Ms Madelaine Reid L'Esperance, PhD, The University of Alabama
Yiling Zhang, University of Alabama in Tuscaloosa, AL
Pan-Ju Chen, University of Alabama
B5c Understanding Racial Disparities in Financial Access: The Role of Financial Knowledge Among Low- and Moderate-Income Consumers
Tuesday, April 14, 2026 at 10:15 AM–11:45 AM CDT
Room 5
Submitter
Mengya Wang, Oklahoma State University
Authors
Mengya Wang, Oklahoma State University
C1a Personality Traits, Social Security Claiming Age, and Financial Satisfaction: Evidence from the 2018 Health and Retirement Study
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 1
Submitter
Dr. Mark Evers, CFP®, CRPC®, University of North Texas
Authors
Taufiq Hasan Quadria, University of Akron
Mariya Gavrilova-Aguilar, University of North Texas
C1b The Influence of Personality Traits on the Financial Bandwagon Effect: The Moderating Role of Locus of Control
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 1
Submitter
Yi Liu, Ph.D., CFP®, St. John Fisher University
Authors
Wookjae Heo, Ph.D., Purdue University
Blain Pearson, Ph.D., CFP®, coastal carolina university
Hye Jun Park, Purdue University
C1c The Role of Locus of Control, Financial Literacy, and Retirement Planning in Predicting Life Satisfaction Among Older Women: Variations by Marital Status
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 1
Submitter
Rose Wakiria, Texas Tech University
Authors
Rose Wakiria, Texas Tech University
Stephanie Rystrom, Texas Tech University
C2a Depression as a Mediator Between Widowhood and Financial Strain: A Longitudinal Analysis of Widows and Widowers
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 2
Submitter
Kevin D. Bayani, The University of Georgia
Authors
Kevin D. Bayani, The University of Georgia
Kristy Archuleta, The University of Georgia
C2b Financial Preparedness and Early Economic Outcomes of Youth Transitioning from Foster Care: Year 1 Findings from a Longitudinal Study
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 2
Submitter
Selena T. Garrison, University of Florida (UF)
Authors
Selena Garrison, University of Florida (UF)
Martie Gillen, University of Florida
Diamond Whitley, University at Albany
Morgan Cooley, Florida Atlantic University
C2c The Power of Patience: A Global Longitudinal Study of Delayed Gratification and Its Impact on Financial Well-Being
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 2
Submitter
Dorota Weziak-Bialowolska, Kozminski University
Authors
Dorota Weziak-Bialowolska, Kozminski University
Piotr Bialowolski, Kozminski University
Ying Chen, Harvard University
Eric Kim, University of British Columbia
Richard Cowden, Harvard University
Noah Padgett, Harvard University
Byron Johnson, Baylor University
Tyler J VanderWeele, Harvard University
C3a Fintech Familiarity, Usage, And Implications for Rural Financial Planning: Evidence from Southern U.S. Agricultural Producers
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 3
Submitter
Olamide Olajide, Texas tech University
Authors
Tanaka Chimbane PhD, Texas Tech University
Olamide Olajide PhD, Texas Tech University
Kelly Lange, Texas Tech University
C3b Trusting the Algorithm: Factors Influencing Public Sector Employee Comfort with AI for Financial Planning
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 3
Submitter
Richard Stebbins, University of Alabama
Authors
Richard Stebbins, University of Alabama and Kansas State University
Zhikun Liu, MissionSquare Research Institute
C3c Who Uses AI in Financial Planning? Evidence from Survey Data
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 3
Submitter
Weipeng Wu, Northwest Missouri State University
Authors
Keli Cheng, Northwest Missouri State University
C4a Cultural Framing and Consumer Education: Enhancing Healthy Eating Intentions among College Students
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 4
Submitter
Jose-Francisco Diaz-Valenzuela, University of Georgia
Authors
Jose-Francisco Diaz-Valenzuela, University of Georgia
C4b Financial Independence and Mental Health of Young Adult College Students
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 4
Submitter
Nilton Porto, University of Rhode Island
Authors
Nilton Porto, University of Rhode Island
Prof. Jing Jian Xiao, University of Rhode Island
Ashley LeBaron-Black, Brigham Young University
Mariyam Abbas, University of Rhode Island
C4c Financial Independence and Personal Finance Topics Demanded by College Students
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 4
Submitter
JingJian Xiao, University of Rhode Island
Authors
JingJian Xiao, University of Rhode Island
Axton E Betz-Hamilton, Ph.D., South Dakota State University
Brandan Wheeler, Alabama A&M University
Nilton Porto, University of Rhode Island
Mariyam Abbas, University of Rhode Island
C5a Greed or Need: Study on the Impact of Consumer Expectations and Surprise on Food Consumption in All-You-Can-Eat Restaurants
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 5
Submitter
Phumsith Mahasuweerachai, Faculty of Economics, Khon Kaen University
Authors
Phumsith Mahasuweerachai, Faculty of Economics, Khon Kaen University
Sirikarn Phuchada, University of California San Diego
C5b Homeownership: Should Advisors Ignore the Elephant in the Room?
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 5
Submitter
Ms. Cindy Shnaider, College for Financial Planning
Authors
Ms. Cindy Shnaider, College for Financial Planning
C5c Paying for the Past, Delaying the Future: A Longitudinal Study of Student Loans and Millennial Homeownership
Tuesday, April 14, 2026 at 2:15 PM–3:45 PM CDT
Room 5
Submitter
Jodi Letkiewicz, California State University, Northridge
Authors
HanNa Lim, PhD, CFP, California State University, Fullerton
P101 Active Vs Passive Funds Investment Decision: The Role of Financial Literacy and Financial Education
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Prof. Gianni Nicolini, PhD, University of Rome "Tor Vergata" (Rome, ITALY)
Authors
Prof. Gianni Nicolini, PhD, University of Rome "Tor Vergata" (Rome, ITALY)
Ugo Pomante, University of Rome Tor Vergata (Rome, Italy)
P102 Addressing In-Home Caregiver Burden: A Conceptual Framework Approach to Support and Empowerment
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Triana Domen, Renew to Thrive
Authors
Triana Domen, Renew to Thrive
P103 Analysis of Time, Money and Health Education Model
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Baomei Zhao, University of Akron
Authors
Baomei Zhao, University of Akron
Xin Liangactions, University of Akron
Pamela Schulze , University of Akron
Timothy McCarragher, The University of Akron
Becky Thomas, University of Akron
Jinjing Wang, University of Akron
Jennifer Davisactions, University of Akron
Robert Terry, University of Akron
P104 Anchoring Effect, Loss Aversion, and Bidders’ Behavior: New Evidence from NFT Auctions
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Xiangchen Liu, Ph.D., California State University, Long Beach
Authors
Xiangchen Liu, California State University, Long Beach
Yu Wang, Capital One
Lin William Cong, Cornell University
P105 Association Between Work-Life Boundary Setting and Perceived Well-Being Among Family Childcare Providers
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Yoko Mimura, California State University Northridge
Authors
Yoko Mimura, California State University Northridge
Holli A. Tonyan, California State University Northridge
Yi Cai, California State University, Northridge
P106 Behavioral Externalities of AI in Consumer Finance
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Purushottam Bhandare, Peace Economy Project
Authors
Purushottam Bhandare, Peace Economy Project
Wookjae Heo, Ph.D., Purdue University
P107 Breaking Barriers: Exploring the Lived Experiences of Black Women in Executive Hospitality Leadership
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Annemarie M Turpin, Ohio State University
Authors
Annemarie M Turpin, Ohio State University
P108 Breaking the Negativity Bias: How Post-Error Explanations Drive Consumer Trust Recovery in Digital Financial Advisory
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Daekyun Ko, Chungnam National University
Authors
Daekyun Ko, Chungnam National University
Jihyung Han, Seoul National University
P109 Connecting the Investment Dots: A Canonical Correlation Analysis on Information Sources, Market Regulation, and Financial Knowledge
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Pengyu Qian, University of Wisconsin Whitewater
Authors
Donald Lacombe, Texas Tech University
P110 Consumer Digital Literacy and the Use of AI-Based Services
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Kyuri Hong, Seoul National University
Authors
Youngwon Nam, Seoul National University
Jin-Myong Lee, Chungnam National University
Kyuri Hong, Seoul National University
P111 Consumer Programs in Universities
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Irene Leech, Virginia Polytechnic Institute and State University (Virginia Tech)
Authors
Irene Leech, PhD, Virginia Polytechnic Institute and State University (Virginia Tech)
P112 Cryptocurrency Use Among Banked and Unbanked Americans: Evidence from a National Panel
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Gary Curnutt, Western Carolina University
Authors
Hem Basnet, Methodist Univerity
P113 Disaster Risk, Alternative Financial Services, and Community Economic Resilience
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Dr. Swarn Chatterjee, PhD, University of Georgia
Authors
Yunhee Chang, University of Mississippi
Younghee Lim, University of Mississippi
P114 Enclaves as Buffers or Amplifiers? Immigrant Communities and the Chilling Effect of Welfare Policy
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Wanting Jiang, University of Wisconsin - Madison
Authors
Wanting Jiang, University of Wisconsin - Madison
P115 Examining Characteristic Barriers Qualifying Taxpayers Face in Filing Returns and Claiming the Earned Income Tax Credit (EITC)
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Catherine Asiimwe, University of Georgia
Authors
Catherine Asiimwe, University of Georgia
Lance Palmer, Ph.D., CFP, CPA, University of Georgia
Dr. Travis P. Mountain, Phd, University of Georgia
Wil Golden, University of Georgia
P116 Examining Financial Literacy of Hispanic Student Parents in Higher Education
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Youngok Jung, California State University Long Beach
Authors
Youngok Jung, California State University Long Beach
P117 Exploring Financial Toxicity of Type 2 Diabetes: A Phenomenological Study in India
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
BD Dhar, James Madison University
Authors
Mousumi Singha Mahapatra, Institute of Public Enterprise, Hyderabad, India and Institute of Public Enterprise
Sudip Bhattacharya, All India Institute of Medical Sciences, (AIIMS, Deoghar)
P118 Exploring the Relationship Between Financial Literacy and Financial Awareness: A Multilevel Probit Analysis
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Nasima Khatun, Florida State University panama city
Authors
Nasima Khatun, Ph.D., Florida State University panama city
P119 Financial Inclusion through Investment Participation: Trust, Liquidity, and Demographic Barriers in the United States
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Maheen Akram, University of Wisconsin-Madison
Authors
Maheen Akram, University of Wisconsin-Madison
P120 Financial Voice as Consumer Power: Facilitated Dialogue for Economic Dignity
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
El G Cameron, n/a
Authors
El G Cameron, n/a
P121 Financial Wellbeing and Multigenerational Caregiving Responsibilities: Insights from a recent survey of US adults
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
J. Michael Dedmon, National Endowment for Financial Education
Authors
J. Michael Dedmon, National Endowment for Financial Education
Madelyn Smith, National Endowment for Financial Education
P122 Framing the Cost of Going Green: Differential Drivers of Financially vs. Effort Costly Pro-Environmental Behaviors
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Eunbi Kang, Sungkyunkwan University
Authors
Eunbi Kang, Sungkyunkwan University
Hyesun Hwang, Sungkyunkwan University
P123 Licensed Payday Lender Availability and Energy Assistance Participation
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Melody Harvey, University of Wisconsin - Madison
Authors
Melody Harvey, University of Wisconsin - Madison
P124 Mapping Personal Finance Education across the US: High School Personal Finance Course Offerings in 2026
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Diana Cuatra, The University of Alabama
Authors
Ms Madelaine Reid L'Esperance, PhD, The University of Alabama
Diana Cuatra, The University of Alabama
Aydan Heilman, The University of Alabama
Nathan Wallace, The University of Alabama
P125 Measuring Consumer Preparedness in the Age of AI: Development of the Scale of Artificial Intelligence Literacy (SAIL)
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Marlene Haupt, Munich University of Applied Sciences (HM Munich)
Authors
Marlene Haupt, Munich University of Applied Sciences (HM Munich)
Dr. Swarn Chatterjee, PhD, University of Georgia
P126 Moderating Role of Environmental Self-Efficacy in the Relationship Between Environmental Risk Perception and Pro-environmental Behavior: Focusing on the Differences between Developing and Developed Countries
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Jinu Jung, Sungkyunkwan University
Authors
Jinu Jung, Sungkyunkwan University
Seonglim Lee, Sungkyunkwan University
Yujin Kim, Sungkyunkwan University
P127 Multidimensional Deprivation and the Stress Pathway in Adolescence: Using Latent Class Analysis
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Soyeong Choi, Sungkyunkwan University
Authors
Soyeong Choi, Sungkyunkwan University
Hyesun Hwang, Sungkyunkwan University
P128 Post-Pandemic Education Pathways and Mental Health of Emerging Adults
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Lu Fan, University of Georgia
Authors
Lu Fan, University of Georgia
Swarn Chatterjee, University of Georgia
Jinhee Kim, University of Maryland
P129 ROSCA and Digital Technology Boosting Financial Resilience in Mumbai Slums Amidst Economic Shock
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Purushottam Bhandare, Peace Economy Project
Authors
Purushottam Bhandare, Peace Economy Project
Samapti Guha, Tata Institute of Social Sciences
Chandralekha Ghosh, West Bengal State University
P130 Scale Development of Popcorn Brain for Consumers’ Psychological Protection in the managerial perspective
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Dr. Saroj Kumar Sahoo, Department of Business Administration, Sambalpur University, Odisha, India
Authors
Dr. Saroj Kumar Sahoo, Sambalpur University, Odisha, India
Miss. Simran Babu, Sambalpur University
P131 Social Media and Household Overspending: Platform Specific and Generational Evidence from the 2021 NFCS Investor Survey
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Arifa Akter, Texas Tech University
Authors
Ohireime O. Ojeomogha, Texas Tech University
Theophilus Amanfo, Texas Tech University
P132 Still Struggling? The Effects of Economic Hardship and Financial Resilience on Post-Pandemic Financial Stress and Anxiety
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Hanna Yu, University of Minnesota Twin Cities
Authors
Hanna Yu, University of Minnesota Twin Cities
Virginia Zuiker, University of Minnesota Twin Cities
P133 The Hidden Cost of Convenience: Fintech Use and Risky Financial Behavior in the U.S
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Joshua Omotoso, Texas Tech University
Authors
Joshua Omotoso, Texas Tech University
P134 The Impact of Financial Literacy on Emergency Savings Under Inflationary Pressure
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Olawale Ayomide Akinleye, University of Georgia
Authors
Olawale Ayomide Akinleye, University of Georgia
P135 The Impact of Payday Lending Access on Household Consumption Patterns: Evidence from Ohio's Payday Lending Reform
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Yiling Zhang, University of Alabama in Tuscaloosa, AL
Authors
Yiling Zhang, University of Alabama in Tuscaloosa, AL
Yunhee Chang, University of Mississippi
P136 The Post-Pandemic Investor Landscape: Evidence from the 2024 NFCS Investor Survey
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Olivia Valdes, FINRA Foundation
Authors
Olivia Valdes, FINRA Foundation
P137 The Relationship between Narrative Framing, Regulatory Focus, and Estate Planning Intentions: An Experimental Design on Revocable Trusts
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Dr. C. Ramel Strong, Western Carolina University
Authors
HanNa Lim, PhD, CFP, California State University, Fullerton
Megan McCoy, Kansas State University
Shelitha Smodic, Kansas State University
P138 The Relationships Among Demographic Characteristics, Financial Hardship and Quality of Community Life in the Post-pandemic Southern U. S.
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
M. E. Betsy Garrison, PhD, University of Arkansas
Authors
M. E. Betsy Garrison, University of Arkansas
Shari Moxley, University of Arkansas
P139 The Role of Consumer Technology Optimism in the Age of AI
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Hoyoung Lee, Seoul National University
Authors
Hoyoung Lee, Seoul National University
Youngwon Nam, Seoul National University
P140 Think you can detect fraud? Think again.
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Angela Fontes, PhD, Fontes Research LLC
Authors
Olivia Valdes, FINRA Foundation
Gary R Mottola, Ph.D., FINRA Foundation
Robert Ganem, Finra Foundation
Sarah Green, Finra Foundation
P141 What “Neutral” Really Means in Online Conversations about Student Debt?
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Aditi Ravi, University of Georgia School
Authors
Aditi Ravi, University of Georgia School
Gaurav R. Sinha, University of Georgia
Vincent van Epps, University of Georgia
P142 When Consumers See Themselves: A Quantitative Systematic Review on The Role of Perceived Similarity in Endorsement Effectiveness
Tuesday, April 14, 2026 at 5:30 PM–6:30 PM CDT
Room 6 Posters
Submitter
Louvins Pierre, University of Illinois Urbana-Champaign
Authors
Jiayi (Joy) Wang, University of Illinois Urbana-Champaign
Louvins Pierre, University of Illinois Urbana-Champaign
D1a Close Your Windows, Lock Your Doors: A Framework of How Crime Concerns Influence Crime-Protective Consumer Behavior
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 1
Submitter
Robert Arias, PhD, Loyola University Chicago
Authors
Robert Arias, PhD, Loyola University Chicago
Dallas Novakowski, College of New Caledonia
Miranda Yin, Orfalea College of Business, California Polytechnic State University
D1b Consumer Overconfidence and Finfluencer Engagement: From Viewing to Vulnerability
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 1
Submitter
Jiyeon Son, Chonnam National University
Authors
Jiyeon Son, Chonnam National University
Haechan Jeong, Chonnam National University
D1c Financial Confidence, Overconfidence, and Underconfidence: A Methodological Review
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 1
Submitter
Dr. Brenda J Cude, University of Georgia
Authors
Dr. Brenda J Cude, University of Georgia
D2a Beyond Financial Education and Knowledge-The Effect of Objective Financial Knowledge and Financial Education on Long-Term Investment Motivation
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 2
Submitter
Catherine Asiimwe, University of Georgia
Authors
Catherine Asiimwe, University of Georgia
D2b Contrasting Incorrect and “Don’t Know” Responses to Personal Finance Questions in Relation to Financial Behavior and Financial Education
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 2
Submitter
Dr Jack Marley-Payne, Financial Life Cycle Education Corp (FiCycle)
Authors
Dr Jack Marley-Payne, Financial Life Cycle Education Corp (FiCycle)
D2c Perceived and Actual Financial Education and Financial Well-being
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 2
Submitter
Peter George Kreysa, California State University, Long Beach
Authors
Soo Hyun Cho, PhD, California State University, Long Beach
Hofner Rusiana, California State University, Long Beach
D3a Consumer Fraud Victimization and the Shift Toward AI Financial Advice
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 3
Submitter
Vikesh Kumar, Ph.D., North Carolina A&T State University
Authors
Stuart J. Heckman, Texas Tech University
Vikesh Kumar, North Carolina A&T State University
D3b Consumer Interest in AI Financial Advice: Findings from a 2024 U.S. National Survey
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 3
Submitter
Lin Sun, University of Georgia
Authors
Lin Sun, University of Georgia
Patryk Babiarz, University of Georgia
D3c Mobile Financial Services Usage Breadth and Consumer Interest in AI-Based Financial Advice
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 3
Submitter
Pan-Ju Chen, University of Alabama
Authors
Pan-Ju Chen, University of Alabama
D4a Connecting the Dots: Digital Access, Literacy, and Well-Being in Older Adults
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 4
Submitter
Mary Ayobami Akinde, University of Georgia
Authors
Mary Akinde, University of Georgia
Lu Fan, University of Georgia
D4b Designing Financial Futures: Evidence from a Randomized Controlled Trial on Young Adults
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 4
Submitter
ANDREA LUCIC, University of Zagreb and Faculty of Economics and Business
Authors
ANDREA LUCIC, University of Zagreb and Faculty of Economics and Business
Marija Ježovit, The Institute of Economics Zagreb
Nikola Erceg, Faculty of Humanities and Social Sciences, University of Zagreb
D4c The Relationship between Personality and Older Americans’ Ownership of Annuity Income: A Latent Profile Analysis
Wednesday, April 15, 2026 at 8:00 AM–9:30 AM CDT
Room 4
Submitter
Benjamin Hampton, CFP®, The University of Georgia
Authors
Benjamin Hampton, The University of Georgia
Dr. Kristy Archuleta, Ph.D., The University of Georgia
E1a Exploring Life Satisfaction: The Role of Financial Satisfaction and Financial Resilience in Hardship
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 1
Submitter
Jae Min Lee, Minnesota State University, Mankato
Authors
Jae Min Lee, Minnesota State University, Mankato
Lu Fan, University of Georgia
HanNa Lim, California State University, Fullerton
E1b Multigenerational Living and the Double Burden among Korean Baby Boomers: Within–Between Evidence on Life Satisfaction
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 1
Submitter
Sohyun Kim, Seoul National University
Authors
Sohyun Kim, Seoul National University
Jihye Kim, Seoul National University
E1c The Capability Approach to Life Satisfaction: Extending through Financial Optimism
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 1
Submitter
Yu Zhang, Kansas State University
Authors
Yu Zhang, Kansas State University
Jia Qi, University of Georgia Alumnus
Dr. Swarn Chatterjee, PhD, University of Georgia
Jinhee Kim, University of Maryland
E2a Family Ties and Educational Futures: Parental Closeness and the Aspiration–Expectation Gap
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 2
Submitter
Hofner Rusiana, California State University, Long Beach
Authors
Hofner Rusiana, California State University, Long Beach
E2b How Childhood Family Stability and Structure Shape Adult Financial Outcomes
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 2
Submitter
Nicholas Kieren, Texas Tech University
Authors
Mikel Van Cleve, Texas Tech University
Nicholas Kieren, Texas Tech University
E2c Preserving Family Legacy: BIPOC Perspectives of Small Business Succession Planning
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 2
Submitter
Yoon Lee, Utah State University
Authors
Yoon Lee, Utah State University
Maria Marshall, Purdue University
Renee Wiatt, Purdue University
E3a Among Retirees, What is the Relationship Between Asset Allocation of Financial Assets and Retirement Satisfaction Among Retirees?
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 3
Submitter
Douglas Brown, Texas Tech University
Authors
Douglas Brown, Texas Tech University
E3b Health Insurance Literacy and Graduate Student Healthcare Expenses
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 3
Submitter
Thilini Samadhi Weeraratne, University of Kentucky
Authors
Thilini Samadhi Weeraratne, University of Kentucky
Hyungsoo Kim, University of Kentucky
Janani Nanayakkara, University of Kentucky
E3c Uninsured and Unbanked: Examining the Relationship between Lacking Health Insurance and Financial Exclusion
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 3
Submitter
Katie Fitzpatrick, University of Wisconsin-Madison
Authors
Anne Fitzpatrick, Ohio State University
E4a Artificial Intelligence vs. Financial Planning Impact on Financial Stress: What Regression Misses and Machine Learning Reveals
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 4
Submitter
Eric Ludwig, Ph.D., CFP, The American College of Fin Svc
Authors
Eric Ludwig, Ph.D., CFP, RICP, The American College of Fin Svc
Martin Seay, Ph.D., Kansas State University
E4b Is Generative Artificial Intelligence (GenAI ) a Good Financial Advisor?
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 4
Submitter
Dr. Swarn Chatterjee, PhD, University of Georgia
Authors
Dr. Brenda J Cude, University of Georgia
Prof. Gianni Nicolini, PhD, University of Rome "Tor Vergata" (Rome, ITALY)
E4c Through a Moral Lens: Moral Foundations and Public Acceptance of Artificial Intelligence Across Contexts
Wednesday, April 15, 2026 at 9:45 AM–11:15 AM CDT
Room 4
Submitter
Nayeon Kim, University of Georgia
Authors
Nayeon Kim, University of Georgia
Yilang Peng, University of Georgia
F1a Can Financial Resilience Typologies Be Used to Describe Financial Risk Tolerance?
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 1
Submitter
Dr John Grable, University of Georgia
Authors
Dr. Swarn Chatterjee, PhD, University of Georgia
F1b Long-Run Effects of COVID-19 on Financial Risk Tolerance: Racial/Ethnic Heterogeneity in the U.S.
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 1
Submitter
Zihan Ren, The Ohio State University
Authors
Zihan Ren, The Ohio State University
Sherman D Hanna, PhD, The Ohio State University
F1c Racial and Ethnic Disparities in Confidence Toward Financial Institutions
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 1
Submitter
Amber Jackson, Financial Health Network
Authors
Amber Jackson, Financial Health Network
Andrew Warren, Financial Health Network
F2a COVID-19’s Lingering Consequences: Trends in Financial Hardship by Infection History and Activity Limitations Among U.S. Adults
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 2
Submitter
Vivekananda Das, University of Utah
Authors
Vivekananda Das, University of Utah
F2b How Consumers Learn About Climate Risks: Disaster Experience, Media Coverage, and Insurance Decisions
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 2
Submitter
Yilan Xu, Ph.D., University of Illinois
Authors
Yilan Xu, Ph.D., University of Illinois
Yi Huang, Nanjing Audit University
F2c Income and Intertemporal Investment Decisions Evidence from Education, Savings, and Insurance Expenditures across Income Groups
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 2
Submitter
YuJin Seo, Pusan National University
Authors
YuJin Seo, Pusan National University
Namhoon Kim, Pusan National University
F3a Beyond the Transaction: Gender, Selling on Credit, and Consumer Relationships in Ghana
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 3
Submitter
Gisella Kagy, University of Wisconsin Madison
Authors
Gisella Kagy, University of Wisconsin Madison
F3b Gender Role and the Likelihood of Marriage: Evidence from Korea
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 3
Submitter
Hye Jun Park, Purdue University
Authors
Youngsik Oh, Bank of Korea
Hye Jun Park, Purdue University
Wookjae Heo, Purdue University
F3c The Role of Language, Gender, and Cognitive Engagement in Shaping Financial Literacy: Evidence from a Large-Scale Randomized Experiment
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 3
Submitter
Piotr Bialowolski, Kozminski University
Authors
Piotr Bialowolski, Kozminski University
Andrzej Cwynar, WSEI University
Dorota Weziak-Bialowolska, Kozminski University
F4a Can FinTech help households save for emergencies? Evidence from debt-burdened families
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 4
Submitter
Theophilus Amanfo, Texas Tech University
Authors
Ohireime O. Ojeomogha, Texas Tech University
Theophilus Amanfo, Texas Tech University
F4b The Cultural Contexts of Family Financial Socialization: A Photovoice Study with First-Generation College Students from Immigrant Families
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 4
Submitter
Miguel Quiñones, University of Minnesota
Authors
Michelle Pasco-Celaya, University of Minnesota
Yesenia Alvarez Padilla, MSW, The Ohio State University
F4c Trusting the Machine: Who Is Interested in Financial Advice from AI?
Wednesday, April 15, 2026 at 11:30 AM–1:00 PM CDT
Room 4
Submitter
Juhui Ko, The Ohio State University
Authors
Juhui Ko, The Ohio State University
G1a Exploring the Role of Financial Knowledge and Technology Use in Consumer Adoption of AI for Financial Planning
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 1
Submitter
Ravisha Chutani, University of Georgia
Authors
Ravisha Chutani, University of Georgia
Kimberly Watkins, Ph.D., University of Georgia
Dr John Grable, University of Georgia
G1b Preparing Future Financial Planners: Trust, Gender, and Academic Performance in AI Adoption
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 1
Submitter
Efthymia Antonoudi, University of Georgia
Authors
Ashlyn Rollins-Koons, Kansas State Univeristy
Megan McCoy, Ph.D., Kansas State Univeristy
G1c Technology-Enabled Financial Help-Seeking Behavior: Consumers’ Use of AI and Financial Planners on Saving for Retirement
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 1
Submitter
Eric Ludwig, Ph.D., CFP, RICP, The American College of Financial Services
Authors
Efthymia Antonoudi, University of Georgia
G2a Blood, Sweat, and Net Worth: Grit as a Predictor of Financial Success in Young Adulthood
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 2
Submitter
Loren Flood, Texas Tech University and The American College of Fin Svc
Authors
Loren Flood, Texas Tech University and The American College of Fin Svc
Miles Sharpe, Texas Tech University
Stuart Heckman, Texas Tech University
G2b Exploring Financial Sentiment, Social Media Use, and Speculative Investing
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 2
Submitter
Morgen Nations, PhD, Southwest Minnesota State University
Authors
Morgen Nations, PhD, Southwest Minnesota State University
G2c Financial Well-being and Social Support Among College Athletes: Implications for Academic Success
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 2
Submitter
Richard Stebbins, University of Alabama
Authors
Isabella Martin, University of Alabama
Sarah A. Burcher, University of Alabama
Richard Stebbins, University of Alabama and Kansas State University
Erin Austin, University of Alabama
G3a Earnings Claims and Disclaimers in Multi-Level Marketing: Testing the Impact of Self-Regulatory Guidance
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 3
Submitter
Stacie Bosley, PhD, Hamline University
Authors
Kiana Kotasek, Western National Insurance
Sarah Greenman, Hamline University
Samantha Snyder, Hamline University
G3b Not Again! The Impact of Daily Hassles on Well-Being through Basic Psychological Needs Satisfaction
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 3
Submitter
Juha Lee, University of Georgia
Authors
Juha Lee, University of Georgia
Dr. Dee Warmath, Ph.D., University of Georgia
G3c You Inspire Me: The Role of Autonomous Motivation in the Well-Being Benefits of Supportive Relationships
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 3
Submitter
Taitum Maxwell, University of Georgia
Authors
Dr. Dee Warmath, Ph.D., University of Georgia
G4a Examining the dimensions of financial vulnerability across age and gender: Evidence from a nationally representative survey in Spain
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 4
Submitter
Jorge Ruiz-Menjivar, Ph.D., University of Florida
Authors
Sara Fernández-López, University of Santiago de Compostela, Galicia, Spain
Lucía Rey-Ares, University of Santiago de Compostela, Galicia, Spain
Marcos Álvarez-Espiño, University of Santiago de Compostela, Galicia, Spain
G4b Financial Well-Being in India: A Survey of Urban Households
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 4
Submitter
Cliff A Robb, PhD, Belmont University
Authors
Melody Harvey, University of Wisconsin - Madison
Mousumi Singha Mahapatra, Institute of Public Enterprise, Hyderabad, India and Institute of Public Enterprise
G4c Navigating Financial Landscapes: A Comparative Study of Decision-Making Among Low-Income Households in Rural and Urban India
Wednesday, April 15, 2026 at 2:45 PM–4:15 PM CDT
Room 4
Submitter
Jayasree Raveendran, Tata Consultancy Services Limited
Authors
Jayasree Raveendran, Tata Consultancy Services Limited
Jonathan Sawian, Tata Consultancy Services limited
Anand Pandey, Tata Consultancy Services
Abhishek Jangra, Tata Consultancy Services
Rishabh Kushwah, Tata Consultancy Services Ltd.
H1a Closing the Gaps: How Financial Services and Education Can Better Serve Sexual and Gender Minority Couples
Wednesday, April 15, 2026 at 4:30 PM–5:30 PM CDT
Room 1
Submitter
Melissa J. Wilmarth, Ph.D., University of Alabama
Authors
Melissa J. Wilmarth, Ph.D., University of Alabama
Heather Love, Ph.D., University of Alabama
Casey Totenhagen, Ph.D., University of Alabama
H1b Financial Well-Being among U.S Adults: Exploring the Role of Gender and Marital Status
Wednesday, April 15, 2026 at 4:30 PM–5:30 PM CDT
Room 1
Submitter
Godwin Dellah Gonyoe, University of Wisconsin, Madison
Authors
Godwin Dellah Gonyoe, University of Wisconsin, Madison
Melissa J. Wilmarth, Ph.D., University of Alabama
Kyoung Tae Kim, PhD, The University of Alabama
Raegan Ooten, University of Wisconsin Madison
H1c Scarcity Mindset’s Positive Association with Using Alternative Financial Services
Wednesday, April 15, 2026 at 4:30 PM–5:30 PM CDT
Room 1
Submitter
Cäzilia Loibl, The Ohio State University
Authors
George G. Rooney, The Ohio State University
H2a Household Debt and Perceived Financial Well-being
Wednesday, April 15, 2026 at 4:30 PM–5:30 PM CDT
Room 2
Submitter
Brandon Perry, Texas Tech University
Authors
Tairsa Mathews, MFPA, CFP®, Utah Valley University
Stuart J Heckman, Ph.D., CFP®, Texas Tech University
Brandon Perry, Texas Tech University
H2b Myth or Reality: Do Younger Cohorts Prioritize Present-Oriented Spending?
Wednesday, April 15, 2026 at 4:30 PM–5:30 PM CDT
Room 2
Submitter
Hua Zan, University of Hawaii at Manoa
Authors
Jessie Fan, University of Utah
Hua Zan, University of Hawaii at Manoa
H2c Positive Financial Planning: A Pilot Study Exploring Spending and Well-Being through an Experimental Survey
Wednesday, April 15, 2026 at 4:30 PM–5:30 PM CDT
Room 2
Submitter
Sarah Asebedo, Ph.D., Texas Tech University
Authors
Todd Little, Texas Tech University
H3a Frugality and Financial Well-being: A Generational View
Wednesday, April 15, 2026 at 4:30 PM–5:30 PM CDT
Room 3
Submitter
Isadora Ferreira De Melo, Utah State University
Authors
Yoon Lee, PhD, Utah State University
Isadora Ferreira De Melo, Utah State University
H3b Mood Swings the Market: Reddit and the Gamestop saga
Wednesday, April 15, 2026 at 4:30 PM–5:30 PM CDT
Room 3
Submitter
Jasleen Madan, University of Wisconsin - Madison
Authors
Jasleen Madan, University of Wisconsin - Madison
H3c Smart service spatial positioning and smart service premium on housing price
Wednesday, April 15, 2026 at 4:30 PM–5:30 PM CDT
Room 3