Leveraging Behavioral Economics to Understand and Improve Financial Decision Making Among Vulnerable Older Adults
2 juillet 2026 mis à jour par: 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.
Aperçu de l'étude
Statut
Pas encore de recrutement
Les conditions
Type d'étude
Interventionnel
Inscription (Estimé)
400
Phase
- N'est pas applicable
Contacts et emplacements
Cette section fournit les coordonnées de ceux qui mènent l'étude et des informations sur le lieu où cette étude est menée.
Coordonnées de l'étude
- Nom: Abdelaziz Alsharawy, PhD
- Numéro de téléphone: (713) 500-9000
- E-mail: Abdelaziz.Alsharawy@uth.tmc.edu
Lieux d'étude
-
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Texas
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Houston, Texas, États-Unis, 77030
- The University of Texas Health Science Center at Houston
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Critères de participation
Les chercheurs recherchent des personnes qui correspondent à une certaine description, appelée critères d'éligibilité. Certains exemples de ces critères sont l'état de santé général d'une personne ou des traitements antérieurs.
Critère d'éligibilité
Âges éligibles pour étudier
- Adulte
- Adulte plus âgé
Accepte les volontaires sains
Oui
La description
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
Plan d'étude
Cette section fournit des détails sur le plan d'étude, y compris la façon dont l'étude est conçue et ce que l'étude mesure.
Comment l'étude est-elle conçue ?
Détails de conception
- Objectif principal: La prévention
- Répartition: Randomisé
- Modèle interventionnel: Affectation parallèle
- Masquage: Aucun (étiquette ouverte)
Armes et Interventions
Groupe de participants / Bras |
Intervention / Traitement |
|---|---|
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Expérimental: 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.
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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.
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Expérimental: 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).
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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).
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Que mesure l'étude ?
Principaux critères de jugement
Mesure des résultats |
Description de la mesure |
Délai |
|---|---|---|
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Frequency of choosing the riskier option on the risk tolerance decision-making task
Délai: 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
Délai: 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
Délai: 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)
|
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Frequency of choosing the more patient option on the impatience decision-making task
Délai: 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
Délai: 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.
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During the time of the decision-making task (about 5-10 minutes)
|
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Physiological arousal as measured via heart rate
Délai: 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)
|
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Physiological arousal as measured via skin conductance
Délai: 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)
|
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Physiological arousal as measured via pupil dilation
Délai: 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.
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During the time of the decision-making tasks (about 20-40 minutes)
|
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Frequency of facial expressions associated with valence and engagement
Délai: 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).
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During the time of the decision-making tasks (about 20-40 minutes)
|
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Attention as assessed by eye fixations
Délai: 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).
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During the time of the decision-making tasks (about 20-40 minutes)
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Mesures de résultats secondaires
Mesure des résultats |
Description de la mesure |
Délai |
|---|---|---|
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Response time during the behavioral tasks
Délai: 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.
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During the time of the decision-making tasks (about 20-40 minutes)
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Collaborateurs et enquêteurs
C'est ici que vous trouverez les personnes et les organisations impliquées dans cette étude.
Collaborateurs
Les enquêteurs
- Chercheur principal: Abdelaziz Alsharawy, PhD, The University of Texas Health Science Center, Houston
Dates d'enregistrement des études
Ces dates suivent la progression des dossiers d'étude et des soumissions de résultats sommaires à ClinicalTrials.gov. Les dossiers d'étude et les résultats rapportés sont examinés par la Bibliothèque nationale de médecine (NLM) pour s'assurer qu'ils répondent à des normes de contrôle de qualité spécifiques avant d'être publiés sur le site Web public.
Dates principales de l'étude
Début de l'étude (Estimé)
1 janvier 2027
Achèvement primaire (Estimé)
1 décembre 2027
Achèvement de l'étude (Estimé)
1 décembre 2027
Dates d'inscription aux études
Première soumission
26 juin 2026
Première soumission répondant aux critères de contrôle qualité
26 juin 2026
Première publication (Réel)
6 juillet 2026
Mises à jour des dossiers d'étude
Dernière mise à jour publiée (Réel)
7 juillet 2026
Dernière mise à jour soumise répondant aux critères de contrôle qualité
2 juillet 2026
Dernière vérification
1 juillet 2026
Plus d'information
Termes liés à cette étude
Termes MeSH pertinents supplémentaires
Autres numéros d'identification d'étude
- HSC-SPH-25-0344 (Trial)
- P30AG086563 (Subvention/contrat des NIH des États-Unis)
Plan pour les données individuelles des participants (IPD)
Prévoyez-vous de partager les données individuelles des participants (DPI) ?
NON
Informations sur les médicaments et les dispositifs, documents d'étude
Étudie un produit pharmaceutique réglementé par la FDA américaine
Non
Étudie un produit d'appareil réglementé par la FDA américaine
Non
Ces informations ont été extraites directement du site Web clinicaltrials.gov sans aucune modification. Si vous avez des demandes de modification, de suppression ou de mise à jour des détails de votre étude, veuillez contacter register@clinicaltrials.gov. Dès qu'un changement est mis en œuvre sur clinicaltrials.gov, il sera également mis à jour automatiquement sur notre site Web .