The Cognitive Correlates of Financial Literacy in Older Adults.
The Cognitive Correlates of Financial Literacy in Older Adults.
复制标题
老年人金融素养的认知相关性。
DOI：
10.1080/07317115.2023.2217190
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发表时间：
2023
影响因子：
2.8
通讯作者：
Han,SDuke
中科院分区：
文献类型：
--
作者：
Weissberger,GaliH;Nguyen,AnnieL;Lim,AaronC;Fenton,Laura;Mosqueda,Laura;Han,SDuke
目的本研究采用综合神经心理学方法探讨了金融素养的认知相关性，以及教育是否改变了认知与金融素养之间的关系。方法66名参与者完成了社会人口调查问卷、金融知识评估和神经心理学评估。控制年龄、性别和教育的多元线性回归模型检验了认知测量的主要影响，显示了与金融素养显著的双变量关联。结果经过多次比较校正后，来自NIH工具箱的结晶复合分数（p= .002）和图片词汇测试（p= .002），以及来自统一数据集3的多语言命名测试（p >.001）与金融素养相关。与我们的假设相反，在考虑金融素养分数时，教育与认知措施没有相互作用。结论词汇知识和语义记忆可能在老年人金融素养中起重要作用。临床意义评估词汇知识和语义过程可能有助于识别较低金融素养技能的老年人。此外，金融素养干预可以考虑针对词汇知识和语义处理技能较低的个体。
ObjectivesThis study examined the cognitive correlates of financial literacy using a comprehensive neuropsychological battery, and whether education modifies the relationship between cognition and financial literacy.MethodsSixty-six participants completed sociodemographic questionnaires, an assessment of financial literacy, and a neuropsychological assessment. Multiple linear regression models that controlled for age, sex, and education examined the main effects of cognitive measures that showed a significant bivariate association with financial literacy.ResultsAfter correcting for multiple comparisons, the Crystallized Composite score (p= .002) and the Picture Vocabulary test (p= .002) from the NIH Toolbox, and the Multilingual Naming Test (p> .001) from the Uniform Data Set 3 were associated with financial literacy. Contrary to our hypothesis, education did not interact with cognitive measures when considering financial literacy scores.ConclusionsFindings suggest that vocabulary knowledge and semantic memory may play an important role in financial literacy in older age.Clinical ImplicationsAssessing vocabulary knowledge and semantic processes may help to identify older adults with lower financial literacy skills. Additionally, financial literacy interventions may consider targeting individuals with lower vocabulary knowledge and semantic processing skills.