Brain substrates explain diferences in the adoption and degree of fnancial digitalization
Autor: | Juan Verdejo-Román, Francisco Rodriguez-Fernandez, Juan A. Lacomba-Arias, Santiago Carbo-Valverde, Francisco M. Lagos-García |
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Jazyk: | angličtina |
Rok vydání: | 2020 |
Předmět: |
0301 basic medicine
Adult Male Service (systems architecture) Adolescent Financial Management Physiology Decision Making Video Recording Public policy lcsh:Medicine Neuropsychological Tests Trust Article 03 medical and health sciences Young Adult 0302 clinical medicine Dictator game medicine Image Processing Computer-Assisted Humans lcsh:Science Financial services Financial inclusion Finance Behavior Brain Mapping Multidisciplinary medicine.diagnostic_test business.industry lcsh:R Brain White matter microstructure Magnetic Resonance Imaging White Matter 030104 developmental biology Games Experimental Financial transaction Anisotropy lcsh:Q Female business Functional magnetic resonance imaging 030217 neurology & neurosurgery Neuroscience |
Zdroj: | Scientific Reports Scientific Reports, Vol 10, Iss 1, Pp 1-13 (2020) Digibug. Repositorio Institucional de la Universidad de Granada instname Digibug: Repositorio Institucional de la Universidad de Granada Universidad de Granada (UGR) |
Popis: | This study analyzes neural responses connected to trust and risk to explain fnancial digitalization decisions. It shows that brain responses distinctively inform diferences in the adoption of digital fnancial channels that are not shown by any other sociodemographic or behavioral indicators. From a methodological standpoint, the study explores if usage patterns of digital fnancial channels and instruments are associated with psychological and biological indicators; it uses functional magnetic resonance imaging (fMRI) to investigate whether fnancial digitalization decisions are linked to the evoked brain response to the safety associated with video images of fnancial transactions through digitalized and non-digitalized channels; it conducts trust and risk neuro-experiments to identify their impact on fnancial digitalization decisions and it analyzes whether brain structure is linked to fnancial digitalization behavior. The fndings suggest that high and low frequency users exhibit diferences in brain function and also in volume and fractional anisotropy values. A higher frequency of use of fnancial digital fnancial services is associated with higher brain activation linked to insecurity (lower safety neural evoked responses during the video task and an altered white matter microstructure of the cingulum). Additionally, high frequency users of digital fnancial channels exhibit enhanced activation of brain areas linked to emotional processing during the trust game. These fndings have important implications for the design of public policies to enhance fnancial inclusion through technology and the segmentation and service distribution strategies of private fnancial institutions. Funcas Foundation (Madrid) European Union (EU) Spanish Government ECO2017-87581-P/PGC2018-099415-B-100 Junta de Andalucia P12. SEJ.2463 MCINN-FEDER PGC2018-097811-B-I00 A-SEJ-151-UGR18 Zayed University PGC2018-097811-B-I00 A-SEJ-151-UGR18 R18023 FUNCAS Spanish Ministry of Science, Innovation and Universities FJCI-2017-33396 B-SEJ-413-UGR18 |
Databáze: | OpenAIRE |
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