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

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。根据我的初步调查结果， 使用技术的老年人的数量正在急剧增长， 金融交易确实在发生变化。随着越来越多的老年人和 老年痴呆症（AD）是老年人的一种常见疾病， 成年人的金融剥削，以及金融决策在日常生活中的普遍性 生活中，能够准确地检查财务决策是至关重要的， 可量化的、符合当前趋势的生态有效任务。2016年， 一个为美国社会保障局工作的专家小组发现， 评估财务决策和现实世界的财务业绩。当前 一项提案旨在通过开发和应用基于仿真技术的 OMM任务，以评估个人在整个认知范围内的财务决策 衰老因此，本提案的前两个目标（K99/辅导阶段）是 建立一个新的，模拟OMM信用卡对账单审查的可靠性和有效性 任务在认知健康的老年人通过心理测量严格的方法。第三和 第四个推理目标（R 00阶段）是用途：（i）纵向策略，以随时间跟踪OMM 与认知健康的老年人的认知变化有关，以及（ii）一个横截面 在两个临床组中检查OMM的策略（轻度AD和那些被判定为经济上 成人保护服务（Adult Protective Services）与健康的老年人相比。为了实现这些目标，我 我将发展先进的技能，以补充我强大的神经心理学训练，通过：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）发展更深入的心理测量知识，以优化任务 设计; 3）丰富我对财务决策的概念性理解， 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的，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，K99/R 00建议书使我能够奠定基础 从事独立的研究工作，专注于利用技术准确地概念化 在认知多样的老年人的财务决策，这是符合NIA的目标 使命是改善“成年人的健康、福祉和独立性”。

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”.