希少性マインドセットが,代替金融サービスの利用と正の関連性を示しています
George Rooney1, Cäzilia Loibl1
1Department of Human Sciences, The Ohio State University, Columbus, Ohio, United States of America.
PloS one
|February 20, 2026
まとめ
資源の不足を感じる希少性のマインドセットは,代替金融サービスの利用と関連しています. この関連性は,すべての所得レベルにおいて当てはまり,金融行動におけるその重要性を強調しています.
科学分野:
- 行動経済学は,行動経済学である.
- 金融心理学 金融心理学について
背景:
- 資源の知覚された不足によって特徴づけられる希少性のマインドセットは,意思決定に影響を与えることができます.
- 緊急のニーズに対処するのに役立つかもしれませんが,他の分野での監督にもつながります.
- 金融サービスの利用に与える影響を理解することは極めて重要です.
研究 の 目的:
- 希少性のマインドセットと代替金融サービス (AFS) の利用との関連を調査する.
- この関連が,既知のAFS予測因子とは無関係に持続するかどうかを判断する.
- この関係が,異なる世帯の所得レベルによって異なるかどうかを調べる.
主な方法:
- 2021年FINRA全国金融能力調査 (N=24,349) のデータを活用した.
- 関係を評価するためにバイナリロジスティック回帰分析を使用した.
- AFSの使用の確立された予測要因と社会人口統計学的要因を制御した.
主要な成果:
- より強い希少性のマインドセットは,代替金融サービスの利用と有意に肯定的に関連していました.
- この関連性は,他の予測要因と社会人口統計学的変数をコントロールした後も依然として有意であった.
- 希少性のマインドセットは,高所得者を含むすべての所得層でAFSの使用を予測しました.
結論:
- 希少性のマインドセットは,家計の収入に関係なく,代替金融サービスの利用の重要な予測要因です.
- 発見は,財政的選択に対する希少性の心理的影響を考慮する必要性を示唆しています.
- その影響は,フィンテックアプリケーションのような新興金融製品における希少性マインドセットの役割を評価することにも及ぶ.
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