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。根据我初步的F32调查结果， 使用科技的老年人的数量和他们使用科技的方式正在急剧增长 金融交易当然正在发生变化。鉴于老年人的数量不断增加， 相应的衰老疾病，如阿尔茨海默病(AD)，老年人的脆弱性 成年人对金融剥削和日常金融决策的渗透性 在生活中，能够准确地使用客观的、 符合当前趋势的可量化的、生态上有效的任务。2016年，一个 美国社会保障管理局的专家小组发现，目前 评估财务决策和现实世界的财务业绩。海流 提案寻求通过开发和应用基于模拟技术的 OMM任务评估不同认知领域的个人的财务决策 衰老。因此，当前提案的前两个目标(K99/指导阶段)是 建立一种新的、模拟的OMM信用卡对账单审查的可靠性和有效性 通过严格的心理测量学方法，在认知健康的老年人中执行任务。第三和 第四个推理目标(R00阶段)是使用：(I)跟踪OMM随时间变化的纵向策略 与认知健康的老年人的认知变化有关，以及(Ii)横断面 在两个临床组(轻度阿尔茨海默病和那些被判定为经济状况良好的患者)中检查OMM的策略 无成人保护服务能力)与健康老年人。为了达到这些目标，我 我将发展高级技能，以补充我强大的神经心理训练，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)加深心理测量知识，优化任务 设计；3)丰富了我对财务决策的概念理解，同时 学习如何结合神经经济学原理和元认知评估 财务决策衡量。我集结了一支出色的、全面的 由计算机科学家、生物统计学家、老年病学家、经济学家、 和专业的神经心理学家。总体而言，K99/R00提案使我能够奠定基础 对于专注于使用技术准确概念化的独立研究生涯 认知不同的老年人的财务决策，这一目标与NIA的目标一致 使命是“随着成年人年龄的增长，改善他们的健康、幸福和独立”。

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”.