Suchergebnisse

Purpose
This study aims to explore possible behavioural change venues, beyond the traditional approach to financial education, using the capability-opportunity-motivation behaviour theoretical framework of behavioural change.


Design/methodology/approach
The study included 45, semi-structured, in-depth interviews of young adults to explore which elements of financial behaviour formation should interventions target to be effective.


Findings
To strengthen capability, the study recommends behavioural education and training for boosting financial knowledge and skills, enablement of financial independence and modelling for empowering self-control and reducing impulsiveness. To boost motivation, gamification of modelling is advised for boosting responsible financial behaviour as part of the identity and inducing consideration of future consequences. Persuasion is advised for inducing positive emotions while incentivization and coercion are advised for empowering self-conscious intentions. To rise opportunity, the study proposes incentivization and coercion imposed by parents, and governmental efforts regarding restriction, enablement and environmental restructuring.


Practical implications
The study brings recommendations for developing efficient interventions for strengthening responsible financial behaviour that may help design type-specific education programmes to promote responsible financial behaviour.


Originality/value
The present study attempts to explore new venues in intervention design that break away from the traditional approach of financial education focused on knowledge and skills that is proven to be ineffective

Obilježja ličnosti smatraju se jednim od relevantnih čimbenika koji utječu na ponašanje potrošača. Stoga, kako bi se ponašanje potrošača moglo jasnije razumjeti te predvidjeti, svrha istraživanja je ustanoviti postoji li povezanost između obilježja ličnosti i odgovornog financijskog ponašanja potrošača. Povezanost je istražena na temelju utjecaja obilježja ličnosti na afektivni i kognitivni aspekt impulzivnog potrošačkog ponašanja, na koje se u radu promatra kao suprotnost odgovornom financijskom ponašanju. Provedeno je jednokratno deskriptivno istraživanje pomoću anketnog upitnika na namjernom, prigodnom uzorku od 483 studenata Ekonomskog fakulteta u Zagrebu. Istraživanje je dokazalo da postoji statistički značajna razlika u stupnju sklonosti impulzivnoj kupovini s obzirom na dimenzije obilježja ličnosti. Uzročno posljedična veza dokazana je između dimenzije Savjesnosti i odgovornog potrošačkog ponašanja, a ustanovljena je i slaba, ali statistički značajna njena povezanost s kognitivnim aspektom impulzivne kupovine. Kod afektivne komponente ustanovljena je statistički značajna povezanost sa Dimenzijama Ekstraverzije i Neuroticizma, dok je kod dimenzije Neuroticizma ustanovljena negativna povezanost sa impulzivnom kupovinom. S obzirom da se do sada navedeni konstrukti nisu empirijski povezivali, ovim konceptom može se voditi prilikom segmentiranja tržišta te prilikom kreiranja aktivnosti usmjerenih ka potrošačima različitih obilježja ličnosti. potaknuti odgovorno te ispraviti i izbjeći neodgovorno potrošačko ponašanje kod mladih potrošača.

Purpose
The purpose of this paper is to investigate the effects of values of materialism on cognitive and affective impulsiveness and responsible financial behavior among young adults.


Design/methodology/approach
A large-scale study (n = 483) was conducted on a sample of young adults 18 to 25 years of age in Croatia.


Findings
The research found that materialism has no direct effect on responsible financial behaviour (RFB), however, cognitive impulsiveness fully mediates the relationship of all three there three elements of materialism, centrality, success and happiness and RFB. Affective impulsiveness has no effect on the relationship. Furthermore, only materialism as centrality strongly and positively influences cognitive and affective impulsiveness.


Practical implications
Presented conclusions could be used by policymakers as guidelines for developing educational plans and curriculum to build financial capability and consumer protection among young adults and could be helpful for brand management activities targeting young people purchase decisions.


Originality/value
This paper's ultimate purpose is to uncover the mechanism and the power of materialism on impulsiveness and responsible financial behavior. The paper's originality is established by the focus on the investigation of materialism as an antecedent factor of impulsiveness and by questioning the nature of the relationship between materialism and responsible financial behavior through the mediating effect of impulsiveness.