Modernizing the Assessment of Financial Decision Making: Development and Evaluation of a Simulated Online Money Management Task in Older Adults

财务决策评估现代化：老年人模拟在线资金管理任务的开发和评估

• 批准号: 9902295
• 负责人: Preeti Sunderaraman
• 金额: $ 13.22万
• 依托单位: COLUMBIA UNIVERSITY HEALTH SCIENCES
• 依托单位国家: 美国
• 财政年份: 2019
• 资助国家: 美国
• 起止时间: 2019-04-01 至 2021-09-30
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/9902295
• 关键词: Address; Adult; Age; Aging; Alzheimer' s Disease; Awareness; Behavior; Clinical; Cognitive; Cognitive aging; Complex; Computers; Data; Data Collection; Development; Disease; Elderly; Evaluation; Exhibits; Factor Analysis; Foundations; Goals; Habits; Health; Impaired cognition; Individual; Interview; Knowledge; Learning; Life; Machine Learning; Measurement; Measures; Mentors; Mentorship; Mission; Modernization; Monitor; Nerve Degeneration; Neuropsychology; Participant; Pathologic; Patients; Performance; Personal Satisfaction; Phase; Population; Psychologist; Psychometrics; Public Policy; Research; Respondent; Review Literature; Safety; Scientist; Services; Shapes; Surveys; Techniques; Technology; Testing; Time; Training; Transact; United States Social Security Administration; Validity and Reliability; Writing; age related; alertness; base; career; cognitive ability; cognitive change; cognitive task; design; digital; executive function; exhaustion; financial decision making; financial exploitation; financial literacy; improved; instrument; literacy; middle age; neuroeconomics; novel; online course; preservation; rate of change; simulation; skills; tool; trend; user-friendly; web site

The advent of digital finance and online money management (OMM) services has changed the ways in which we conduct everyday transactions. Based on my preliminary F32 survey findings, the number of older adults who use technology is drastically growing and the way they approach financial transactions is certainly changing. Given the increasing number of older adults and corresponding diseases of aging such as Alzheimer’s Disease (AD), the vulnerability of older adults to financial exploitation, and the pervasiveness of financial decision making in everyday life, it is critical to be able to accurately examine financial decision making using objective, quantifiable, and ecologically valid tasks that are in keeping with the current trends. In 2016, an expert panel working for the US Social Security Administration found a gap between the current assessment of financial decision making and real-world financial performance. The current proposal seeks to bridge this gap by developing and applying simulation technology-based OMM task to assess financial decision making in individuals across the spectrum of cognitive aging. Accordingly, the first two aims (K99/Mentored phase) of the current proposal are to establish the reliability and validity of a novel, simulated OMM credit card statement review task in cognitively healthy older adults via psychometrically rigorous approaches. The third and fourth inferential aims (R00 phase) are to use: (i) a longitudinal strategy to track OMM over time and in relation to cognitive changes in cognitively healthy older adults, and (ii) a cross-sectional strategy to examine OMM in two clinical groups (mild AD and those judged as financially incapable by Adult Protective Services) versus healthy older adults. To accomplish these aims, I will develop advanced skills to supplement my strong neuropsychological training, by: 1) gaining expertise in developing and conducting functional assessments using state-of-the-art technology; 2) developing a deeper knowledge of psychometric measurement to optimize task design; and 3) enriching my conceptual understanding of financial decision making while learning how to incorporate neuroeconomic principles and metacognitive assessment in financial decision making measurement. I have assembled an excellent and well-rounded mentorship team consisting of a computer scientist, biostatistician, gerontologist, economist, and expert neuropsychologists. Overall, this K99/R00 proposal enables me to lay a foundation for an independent research career focused on using technology to accurately conceptualize financial decision making in cognitively diverse older adults, a goal that is in line with the NIA’s mission to improve “the health, well-being, and independence of adults as they age”.

数字金融和在线资金管理（OMM）服务的出现改变了 我们进行日常交易的方式。根据我的初步 F32 调查结果， 使用技术的老年人数量急剧增长以及他们使用技术的方式 金融交易无疑正在发生变化。鉴于老年人数量不断增加， 相应的衰老疾病，例如阿尔茨海默病（AD），老年人的脆弱性 成年人对金融剥削的认识，以及日常金融决策的普遍性 生活中，能够使用客观、准确地检查财务决策至关重要， 符合当前趋势的可量化且生态有效的任务。 2016年，一个 为美国社会保障管理局工作的专家小组发现，当前的 评估财务决策和现实世界的财务绩效。目前的 该提案旨在通过开发和应用基于仿真技术来弥补这一差距 OMM 任务评估个人在认知范围内的财务决策 老化。因此，当前提案的前两个目标（K99/指导阶段）是 建立新颖的模拟 OMM 信用卡对账单审核的可靠性和有效性 通过严格的心理测量方法对认知健康的老年人进行任务。第三个和 第四个推理目标（R00 阶段）是使用：（i）随着时间的推移跟踪 OMM 的纵向策略 以及与认知健康老年人的认知变化有关，以及（ii）横断面研究 在两个临床组（轻度 AD 组和被判断为经济困难的组）中检查 OMM 的策略 成人保护服务无能力）与健康老年人的比较。为了实现这些目标，我 将通过以下方式发展高级技能来补充我强大的神经心理学训练：1）获得 使用最先进的技术开发和进行功能评估的专业知识 技术; 2) 加深对心理测量的了解以优化任务 设计; 3）丰富我对财务决策的概念理解，同时 学习如何将神经经济学原理和元认知评估纳入 财务决策衡量。我已经组建了一个优秀且全面的 导师团队由计算机科学家、生物统计学家、老年学家、经济学家、 和神经心理学家专家。总的来说，这个K99/R00提案让我打下了基础 专注于利用技术准确概念化的独立研究生涯 认知多样化的老年人的财务决策，这一目标与 NIA 的目标一致 其使命是改善“成年人随着年龄增长的健康、福祉和独立性”。