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

2026년 7월 2일 업데이트: Abdelaziz Alsharawy, The University of Texas Health Science Center, Houston

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

This study seeks to:

  • Identify behavioral preference patterns that characterize older adults vulnerable to financial exploitation.
  • Estimate the extent to which biases in decision-making process influence financial decisions among older adults vulnerable to financial exploitation to refine information content and behavioral 'nudge' strategies.

연구 개요

상태

아직 모집하지 않음

정황

연구 유형

관찰

등록 (추정된)

400

연락처 및 위치

이 섹션에서는 연구를 수행하는 사람들의 연락처 정보와 이 연구가 수행되는 장소에 대한 정보를 제공합니다.

연구 연락처

연구 장소

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

참여기준

연구원은 적격성 기준이라는 특정 설명에 맞는 사람을 찾습니다. 이러한 기준의 몇 가지 예는 개인의 일반적인 건강 상태 또는 이전 치료입니다.

자격 기준

공부할 수 있는 나이

  • 성인
  • 고령자

건강한 자원 봉사자를 받아들입니다

예

샘플링 방법

비확률 샘플

연구 인구

For online-only participation, 200 older adults (OAs) recruited via Prolific, a crowdsourcing platform. Those participating in-lab at the Health Decision Science Lab will include 200 OAs recruited from the Houston area (that is, participants who signed up to the study team's SONA system database).

설명

Inclusion Criteria:

  • Adults over the age of 60
  • English speakers, to ensure comprehension of study tasks

Exclusion Criteria:

  • Less than age 60
  • Non-English speaker

공부 계획

이 섹션에서는 연구 설계 방법과 연구가 측정하는 내용을 포함하여 연구 계획에 대한 세부 정보를 제공합니다.

연구는 어떻게 설계됩니까?

디자인 세부사항

코호트 및 개입

그룹/코호트
Older Adults who are less vulnerable to financial exploitation
Vulnerability to financial exploitation will be assessed via the Financial Exploitation Vulnerability Scale (FEVS) assessment.
Older Adults who are more vulnerable to financial exploitation
Vulnerability to financial exploitation will be assessed via the Financial Exploitation Vulnerability Scale (FEVS) assessment.

연구는 무엇을 측정합니까?

주요 결과 측정

결과 측정
측정값 설명
기간
Frequency of choosing the riskier option on the risk tolerance decision-making task
기간: 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
기간: 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
기간: 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
기간: 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
기간: 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
기간: 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
기간: 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
기간: 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
기간: 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
기간: 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)

2차 결과 측정

결과 측정
측정값 설명
기간
Response time during the behavioral tasks
기간: 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)

공동 작업자 및 조사자

여기에서 이 연구와 관련된 사람과 조직을 찾을 수 있습니다.

스폰서

The University of Texas Health Science Center, Houston

협력자

National Institute on Aging (NIA)

수사관

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

연구 기록 날짜

이 날짜는 ClinicalTrials.gov에 대한 연구 기록 및 요약 결과 제출의 진행 상황을 추적합니다. 연구 기록 및 보고된 결과는 공개 웹사이트에 게시되기 전에 특정 품질 관리 기준을 충족하는지 확인하기 위해 국립 의학 도서관(NLM)에서 검토합니다.

연구 주요 날짜

연구 시작 (추정된)

2026년 8월 1일

기본 완료 (추정된)

2027년 12월 1일

연구 완료 (추정된)

2027년 12월 1일

연구 등록 날짜

최초 제출

2026년 6월 26일

QC 기준을 충족하는 최초 제출

2026년 6월 26일

처음 게시됨 (실제)

2026년 7월 6일

연구 기록 업데이트

마지막 업데이트 게시됨 (실제)

2026년 7월 7일

QC 기준을 충족하는 마지막 업데이트 제출

2026년 7월 2일

마지막으로 확인됨

2026년 7월 1일

추가 정보

이 연구와 관련된 용어

키워드

기타 연구 ID 번호

  • HSC-SPH-25-0344 (Discovery)
  • P30AG086563 (미국 NIH 보조금/계약)

개별 참가자 데이터(IPD) 계획

개별 참가자 데이터(IPD)를 공유할 계획입니까?

아니요

약물 및 장치 정보, 연구 문서

미국 FDA 규제 의약품 연구

아니

미국 FDA 규제 기기 제품 연구

아니

이 정보는 변경 없이 clinicaltrials.gov 웹사이트에서 직접 가져온 것입니다. 귀하의 연구 세부 정보를 변경, 제거 또는 업데이트하도록 요청하는 경우 register@clinicaltrials.gov. 문의하십시오. 변경 사항이 clinicaltrials.gov에 구현되는 즉시 저희 웹사이트에도 자동으로 업데이트됩니다. .

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