Wroclaw Faculty of Psychology, SWPS University of Social Sciences and Humanities.
J Exp Psychol Appl. 2021 Mar;27(1):27-45. doi: 10.1037/xap0000308. Epub 2020 Jun 29.
When making financial decisions, people often use recommendations from professional advisors. However, before doing so, they must first recognize whether the experts to whom they turn for advice are competent and trustworthy. In the present article, we show that decision-makers ascribe greater authority to those financial advisors whose recommendations confirm their own opinions. We document that this confirmation effect in perceiving financial experts' authority holds for two financial products (investment accounts and health savings accounts) and three different cultures (United States, Poland, and the United Kingdom). Most importantly, we found that the effect might be due to three distinct psychological mechanisms: self-esteem, bias blind spot, and processing fluency. The results presented in this project indicate that receiving financial advice consistent with one's own beliefs (compared to advice inconsistent with those beliefs) is related to higher evaluations of one's own competence in finances, higher self-esteem, and perceiving advisors as less biased and with better processing fluency, which in turn lead to ascribing greater epistemic authority to financial experts. (PsycInfo Database Record (c) 2021 APA, all rights reserved).
当做出财务决策时，人们通常会参考专业顾问的建议。然而，在这样做之前，他们必须首先认识到他们所咨询的专家是否有能力和值得信赖。在本文中，我们表明决策者会赋予那些与其自身观点相符的财务顾问更大的权威。我们记录到，这种对金融专家权威的认知确认效应适用于两种金融产品（投资账户和健康储蓄账户）和三种不同的文化（美国、波兰和英国）。最重要的是，我们发现这种效应可能归因于三种不同的心理机制：自尊、偏见盲点和加工流畅性。本项目中呈现的结果表明，与与自身信念不一致的建议相比，获得与自身信念一致的财务建议与对自身财务能力的更高评价、更高的自尊心以及将顾问视为偏见较小、加工流畅性更好有关，而这反过来又会使财务专家获得更大的认知权威。（来源于：PsycINFO Database Record（c）2021 APA，保留所有权利）。
