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Leveraging Behavioral Economics to Understand and Improve Financial Decision Making Among Vulnerable Older Adults

2. Juli 2026 aktualisiert von: Abdelaziz Alsharawy, The University of Texas Health Science Center, Houston
This study seeks to test novel informational content / nudge strategies to mitigate financial vulnerability among older adults.

Studienübersicht

Status

Noch keine Rekrutierung

Bedingungen

Intervention / Behandlung

Studientyp

Interventionell

Einschreibung (Geschätzt)

400

Phase

  • Unzutreffend

Kontakte und Standorte

Dieser Abschnitt enthält die Kontaktdaten derjenigen, die die Studie durchführen, und Informationen darüber, wo diese Studie durchgeführt wird.

Studienkontakt

Studienorte

  • Vereinigte Staaten
    • Texas
      • Houston, Texas, Vereinigte Staaten, 77030
        • The University of Texas Health Science Center at Houston

Teilnahmekriterien

Forscher suchen nach Personen, die einer bestimmten Beschreibung entsprechen, die als Auswahlkriterien bezeichnet werden. Einige Beispiele für diese Kriterien sind der allgemeine Gesundheitszustand einer Person oder frühere Behandlungen.

Zulassungskriterien

Studienberechtigtes Alter

  • Erwachsene
  • Älterer Erwachsener

Akzeptiert gesunde Freiwillige

Ja

Beschreibung

Inclusion Criteria:

  • Adults over the age of 60
  • English speakers, to ensure comprehension of study tasks
  • High vulnerability to financial exploitation as assessed by the Financial Exploitation Vulnerability Scale (FEVS)

Exclusion Criteria:

  • Less than age 60
  • Non-English speaker

Studienplan

Dieser Abschnitt enthält Einzelheiten zum Studienplan, einschließlich des Studiendesigns und der Messung der Studieninhalte.

Wie ist die Studie aufgebaut?

Designdetails

  • Hauptzweck: Verhütung
  • Zuteilung: Zufällig
  • Interventionsmodell: Parallele Zuordnung
  • Maskierung: Keine (Offenes Etikett)

Waffen und Interventionen

Teilnehmergruppe / Arm
Intervention / Behandlung
Experimental: Participants receiving informational self-nudges to improve financial decision-making
Participants will be asked to virtually go through financial self-nudging informational content during the week prior to completing behavioral tasks. Self-nudging informational content contains strategies to enhance financial decision-making.
Verhalten: Participants receiving informational self-nudges to improve financial decision-making
Participants will be asked to virtually go through financial self-nudging informational content during the week prior to completing behavioral tasks. Self-nudging informational content contains strategies to enhance financial decision-making.
Experimental: Control - Participants receiving informational content on healthy eating and physical activity
The control group will be exposed to informational content on healthy eating and physical activity (obtained through the U.S. Centers for Disease Control and Prevention and/or National Institute on Aging webpages).
Verhalten: Control - Participants receiving informational content on healthy eating and physical activity
The control group will be exposed to informational content on healthy eating and physical activity (obtained through the U.S. Centers for Disease Control and Prevention and/or National Institute on Aging webpages).

Was misst die Studie?

Primäre Ergebnismessungen

Ergebnis Maßnahme
Maßnahmenbeschreibung
Zeitfenster
Frequency of choosing the riskier option on the risk tolerance decision-making task
Zeitfenster: During the time of the decision-making task (about 5-10 minutes)
Participants will complete a decision-making session that captures multiple dimensions of behavioral preferences via incentivized choice-based tasks with real monetary rewards. The study team will administer the following decision-making task via a web-based survey platform to characterize risk tolerance (willingness to accept uncertain outcomes). The task involves multiple rounds (between 20 to 40) that vary option-specific information to facilitate mapping of elicited behavioral responses onto parameters characterizing standard utility functions.
During the time of the decision-making task (about 5-10 minutes)
Frequency of choosing the more trusting option on the trust decision-making task
Zeitfenster: During the time of the decision-making task (about 5-10 minutes)
Participants will complete a decision-making session that captures multiple dimensions of behavioral preferences via incentivized choice-based tasks with real monetary rewards. The study team will administer the following decision-making task via a web-based survey platform to characterize interpersonal trust (willingness to accept being vulnerable to other people). The task involves multiple rounds (between 20 to 40) that vary option-specific information to facilitate mapping of elicited behavioral responses onto parameters characterizing standard utility functions.
During the time of the decision-making task (about 5-10 minutes)
Frequency of choosing the more altruistic option on the altruism decision-making task
Zeitfenster: During the time of the decision-making task (about 5-10 minutes)
Participants will complete a decision-making session that captures multiple dimensions of behavioral preferences via incentivized choice-based tasks with real monetary rewards. The study team will administer the following decision-making task via a web-based survey platform to characterize altruism (willingness to incur a financial cost to benefit another person). The task involves multiple rounds (between 20 to 40) that vary option-specific information to facilitate mapping of elicited behavioral responses onto parameters characterizing standard utility functions.
During the time of the decision-making task (about 5-10 minutes)
Frequency of choosing the more patient option on the impatience decision-making task
Zeitfenster: During the time of the decision-making task (about 5-10 minutes)
Participants will complete a decision-making session that captures multiple dimensions of behavioral preferences via incentivized choice-based tasks with real monetary rewards. The study team will administer the following decision-making task via a web-based survey platform to characterize patience (willingness to forego a sooner reward for a bigger future reward). The task involves multiple rounds (between 20 to 40) that vary option-specific information to facilitate mapping of elicited behavioral responses onto parameters characterizing standard utility functions.
During the time of the decision-making task (about 5-10 minutes)
Frequency of choosing the less loss-averse option on the loss-aversion decision-making task
Zeitfenster: During the time of the decision-making task (about 5-10 minutes)
Participants will complete a decision-making session that captures multiple dimensions of behavioral preferences via incentivized choice-based tasks with real monetary rewards. The study team will administer the following decision-making task via a web-based survey platform to characterize loss aversion (tendency to weigh potential losses more heavily than equivalent gains). The task involves multiple rounds (between 20 to 40) that vary option-specific information to facilitate mapping of elicited behavioral responses onto parameters characterizing standard utility functions.
During the time of the decision-making task (about 5-10 minutes)
Physiological arousal as measured via heart rate
Zeitfenster: During the time of the decision-making tasks (about 20-40 minutes)
Participants recruited for in-lab sessions will complete the decision-making tasks while also sitting before a monitor with an eye-tracker to monitor attention, a webcam to monitor facial expressions, and with a wireless device (non-invasive transmitter placed on participant's wrist with two electrodes attached to finger) worn to monitor physiological measurements (heart rate and skin conductance) while completing the choice-based tasks.
During the time of the decision-making tasks (about 20-40 minutes)
Physiological arousal as measured via skin conductance
Zeitfenster: During the time of the decision-making tasks (about 20-40 minutes)
Participants recruited for in-lab sessions will complete the decision-making tasks while also sitting before a monitor with an eye-tracker to monitor attention, a webcam to monitor facial expressions, and with a wireless device (non-invasive transmitter placed on participant's wrist with two electrodes attached to finger) worn to monitor physiological measurements (heart rate and skin conductance) while completing the choice-based tasks.
During the time of the decision-making tasks (about 20-40 minutes)
Physiological arousal as measured via pupil dilation
Zeitfenster: During the time of the decision-making tasks (about 20-40 minutes)
Participants recruited for in-lab sessions will complete the decision-making tasks while also sitting before a monitor with an eye-tracker to monitor attention, a webcam to monitor facial expressions, and with a wireless device (non-invasive transmitter placed on participant's wrist with two electrodes attached to finger) worn to monitor physiological measurements (heart rate and skin conductance) while completing the choice-based tasks.
During the time of the decision-making tasks (about 20-40 minutes)
Frequency of facial expressions associated with valence and engagement
Zeitfenster: During the time of the decision-making tasks (about 20-40 minutes)
Participants recruited for in-lab sessions will complete the decision-making tasks while also sitting before a monitor with an eye-tracker to monitor attention, a webcam to monitor facial expressions, and with a wireless device (non-invasive transmitter placed on participant's wrist with two electrodes attached to finger) worn to monitor physiological measurements (heart rate and skin conductance) while completing the choice-based tasks. Facial expressions will be assessed using a facial expression analysis system (iMotions software).
During the time of the decision-making tasks (about 20-40 minutes)
Attention as assessed by eye fixations
Zeitfenster: During the time of the decision-making tasks (about 20-40 minutes)
Participants recruited for in-lab sessions will complete the decision-making tasks while also sitting before a monitor with an eye-tracker to monitor attention, a webcam to monitor facial expressions, and with a wireless device (non-invasive transmitter placed on participant's wrist with two electrodes attached to finger) worn to monitor physiological measurements (heart rate and skin conductance) while completing the choice-based tasks. Relative fixation duration on each option in the behavioral tasks will be measured via an eye tracker (SmartEye).
During the time of the decision-making tasks (about 20-40 minutes)

Sekundäre Ergebnismessungen

Ergebnis Maßnahme
Maßnahmenbeschreibung
Zeitfenster
Response time during the behavioral tasks
Zeitfenster: During the time of the decision-making tasks (about 20-40 minutes)
Response time will be reported as the time from stimulus presentation to choice, in milliseconds.
During the time of the decision-making tasks (about 20-40 minutes)

Mitarbeiter und Ermittler

Hier finden Sie Personen und Organisationen, die an dieser Studie beteiligt sind.

Sponsor

The University of Texas Health Science Center, Houston

Mitarbeiter

National Institute on Aging (NIA)

Ermittler

  • Hauptermittler: Abdelaziz Alsharawy, PhD, The University of Texas Health Science Center, Houston

Studienaufzeichnungsdaten

Diese Daten verfolgen den Fortschritt der Übermittlung von Studienaufzeichnungen und zusammenfassenden Ergebnissen an ClinicalTrials.gov. Studienaufzeichnungen und gemeldete Ergebnisse werden von der National Library of Medicine (NLM) überprüft, um sicherzustellen, dass sie bestimmten Qualitätskontrollstandards entsprechen, bevor sie auf der öffentlichen Website veröffentlicht werden.

Haupttermine studieren

Studienbeginn (Geschätzt)

1. Januar 2027

Primärer Abschluss (Geschätzt)

1. Dezember 2027

Studienabschluss (Geschätzt)

1. Dezember 2027

Studienanmeldedaten

Zuerst eingereicht

26. Juni 2026

Zuerst eingereicht, das die QC-Kriterien erfüllt hat

26. Juni 2026

Zuerst gepostet (Tatsächlich)

6. Juli 2026

Studienaufzeichnungsaktualisierungen

Letztes Update gepostet (Tatsächlich)

7. Juli 2026

Letztes eingereichtes Update, das die QC-Kriterien erfüllt

2. Juli 2026

Zuletzt verifiziert

1. Juli 2026

Mehr Informationen

Begriffe im Zusammenhang mit dieser Studie

Schlüsselwörter

Zusätzliche relevante MeSH-Bedingungen

Andere Studien-ID-Nummern

  • HSC-SPH-25-0344 (Trial)
  • P30AG086563 (US NIH Stipendium/Vertrag)

Plan für individuelle Teilnehmerdaten (IPD)

Planen Sie, individuelle Teilnehmerdaten (IPD) zu teilen?

NEIN

Arzneimittel- und Geräteinformationen, Studienunterlagen

Studiert ein von der US-amerikanischen FDA reguliertes Arzneimittelprodukt

Nein

Studiert ein von der US-amerikanischen FDA reguliertes Geräteprodukt

Nein

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