Eye See What You Are Saying: Testing Conversational Influences on the Information Gleaned from Home‐Loan Disclosure Forms

The federal government mandates the use of home‐loan disclosure forms to facilitate understanding of offered loans, enable comparison shopping, and prevent predatory lending. Predatory lending persists, however, and scant research has examined how salespeople might undermine the effectiveness of these forms. Three eye‐tracking studies (a laboratory simulation and two controlled experiments) investigated how conversational norms affect the information consumers can glean from these forms. Study 1 was a laboratory simulation that recreated in the laboratory; the effects that previous literature suggested is likely happening in the field, namely, that following or violating conversational norms affects the information that consumers can glean from home‐loan disclosure forms and the home‐loan decisions they make. Studies 2 and 3 were controlled experiments that isolated the possible factors responsible for the observed biases in the information gleaned from these forms. The results suggest that attentional biases are largely responsible for the effects of conversation on the information consumers get and that perceived importance plays little to no role. Policy implications and how eye‐tracking technology can be employed to improve decision‐making are considered. Copyright © 2015 John Wiley & Sons, Ltd.     

Should I trust you? Autistic traits predict reduced appearance‐based trust decisions

Facial impressions of trustworthiness guide social decisions in the general population, as shown by financial lending in economic Trust Games. As an exception, autistic boys fail to use facial impressions to guide trust decisions, despite forming typical facial trustworthiness impressions (Autism, 19, 2015a, 1002). Here, we tested whether this dissociation between forming and using facial impressions of trustworthiness extends to neurotypical men with high levels of autistic traits. Forty‐six Caucasian men completed a multi‐turn Trust Game, a facial trustworthiness impressions task, the Autism‐Spectrum Quotient, and two Theory of Mind tasks. As hypothesized, participants’ levels of autistic traits had no observed effect on the impressions formed, but negatively predicted the use of those impressions in trust decisions. Thus, the dissociation between forming and using facial impressions of trustworthiness extends to the broader autism phenotype. More broadly, our results identify autistic traits as an important source of individual variation in the use of facial impressions to guide behaviour. Interestingly, failure to use these impressions could potentially represent rational behaviour, given their limited validity.     

The perception of attractiveness and trustworthiness in male faces affects hypothetical voting decisions differently in wartime and peacetime scenarios

Facial appearance of candidates has been linked to real election outcomes. Here we extend these findings by examining the contributions of attractiveness and trustworthiness in male faces to perceived votability. We first use real faces to show that attractiveness and trustworthiness are positively and independently related to perceptions of good leadership (rating study). We then show that computer graphic manipulations of attractiveness and trustworthiness influence choice of leader (Experiments 1 and 2). Finally, we show that changing context from wartime to peacetime can affect which face receives the most votes. Attractive faces were relatively more valued for wartime and trustworthy faces relatively more valued for peacetime (Experiments 1 and 2). This pattern suggests that attractiveness, which may indicate health and fitness, is perceived to be a useful attribute in wartime leaders, whereas trustworthiness, which may indicate prosocial traits, is perceived to be more important during peacetime. Our studies highlight the possible role of facial appearance in voting behaviour and the role of attributions of attractiveness and trust. We also show that there may be no general characteristics of faces that make them perceived as the best choice of leader; leaders may be chosen because of characteristics that are perceived as the best for leaders to possess in particular situations.     

Friend or foe: the effect of implicit trustworthiness judgments in social decision-making

The human face appears to play a key role in signaling social intentions and usually people form reliable and strong impressions on the basis of someone's facial appearance. Therefore, facial signals could have a substantial influence on how people evaluate and behave towards another person in a social interaction, such as an interactive risky decision-making game. Indeed, there is a growing body of evidence that demonstrates that social behavior plays a crucial role in human decision-making. Although previous research has demonstrated that explicit social information about one's partner can influence decision-making behavior, such as knowledge about the partner's moral status, much less is known about how implicit facial social cues affect strategic decision-making. One particular social cue that may be especially important in assessing how to interact with a partner is facial trustworthiness, a rapid, implicit assessment of the likelihood that the partner will reciprocate a generous gesture. In this experiment, we tested the hypothesis that implicit processing of trustworthiness is related to the degree to which participants cooperate with previously unknown partners. Participants played a Trust Game with 79 hypothetical partners who were previously rated on subjective trustworthiness. In each game, participants made a decision about how much to trust their partner, as measured by how much money they invested with that partner, with no guarantee of return. As predicted, people invested more money in partners who were subjectively rated as more trustworthy, despite no objective relationship between these factors. Moreover, the relationship between the amount of money offered seemed to be stronger for trustworthy faces as compared to untrustworthy faces. Overall, these data indicate that the perceived trustworthiness is a strong and important social cue that influences decision-making.     

The perception of attractiveness and trustworthiness in male faces affects hypothetical voting decisions differently in wartime and peacetime scenarios

Facial appearance of candidates has been linked to real election outcomes. Here we extend these findings by examining the contributions of attractiveness and trustworthiness in male faces to perceived votability. We first use real faces to show that attractiveness and trustworthiness are positively and independently related to perceptions of good leadership (rating study). We then show that computer graphic manipulations of attractiveness and trustworthiness influence choice of leader (Experiments 1 and 2). Finally, we show that changing context from wartime to peacetime can affect which face receives the most votes. Attractive faces were relatively more valued for wartime and trustworthy faces relatively more valued for peacetime (Experiments 1 and 2). This pattern suggests that attractiveness, which may indicate health and fitness, is perceived to be a useful attribute in wartime leaders, whereas trustworthiness, which may indicate prosocial traits, is perceived to be more important during peacetime. Our studies highlight the possible role of facial appearance in voting behaviour and the role of attributions of attractiveness and trust. We also show that there may be no general characteristics of faces that make them perceived as the best choice of leader; leaders may be chosen because of characteristics that are perceived as the best for leaders to possess in particular situations.     

Influence of motivated reasoning on saving and spending decisions

The decision to save enhances well-being in the long-term but it conflicts with the desire to spend money to gain immediate gratification. In this research, we examine the influence of having single versus multiple accounts on individuals’ savings and spending decisions. We find that individuals save more with a single account than with multiple liquid accounts. Utilizing work on motivated reasoning and fuzzy-trace theory, we suggest that multiple accounts engender fuzzy gist representations, making it easier for people to generate justifications to support their desired spending decisions. However, a single account reduces the latitude for distortion and hinders generation of justifications to support desirable spending decisions. Across four studies that provide participants with the opportunity to earn, spend, and save money, we demonstrate the proposed effect and test the underlying process.     

Perceived trustworthiness of online shops

• Trust has been found to be crucial for consumer behaviour towards online shops. However, existing studies on the role of trust in electronic commerce are mainly based on ad hoc scales to measure trustworthiness, merely rely on self‐reported consequences of trust such as intention to buy, and focus on low‐risk products.
• In a web‐based study, 634 participants interacted with a provider of medical goods, that is a simulated online pharmacy. The study develops and employs a psychometrically sound scale for assessing perceived trustworthiness of online shops. Moreover, it examines the impact of trustworthiness on both consumers' intended and actual behaviour towards online shops.
• Results show that trustworthiness promotes both intention to buy and actual financial risk taking. Perceived risk was not found to moderate the relationship between trustworthiness and intention to buy. Instead, trustworthiness partially mediated the influence of perceived risk on intention to buy. The results from the scale development challenge multidimensional conceptualizations of trust; comparing this finding with other studies suggests that the duration of the relationship might moderate the dimensionality of trust.

Copyright © 2008 John Wiley & Sons, Ltd.     

Repairing violations of trustworthiness in negotiation

There has been an ongoing debate in the research literature on violations of trustworthiness and the effectiveness of various forms of repair. In this article, three studies compare the effectiveness of several variables hypothesized to repair perceived trustworthiness in a negotiation context: (a) the use of words (accounts or apologies) versus deeds (compensation for the costs of violation), separately and in combination; (b) whether words or deeds pointed to the past or to the future; (c) the effect of an active or passive third‐party monitor of the negotiation, and (d) the type of trustworthiness (competence versus integrity) that was violated. Results show support for the repair effects for deeds over words, and that a focus on the past violation (through either words or deeds) is more effective than looking toward the future. Deeds, rather than words, also accounts for the strong impact of the combination of the two courses of action. In addition, results show that an active third‐party intervention has a stronger impact on repair than a passive intervention. Implications for theory and practice are discussed along with suggestions for future research.     

Seeking the comparative advantage: The dynamics of individual cooperation in single vs. multiple-team environments

Social dilemma studies predict that people will withhold cooperation from their teammates. Small group studies show that competition between teams increases cooperation among teammates. In this study, the two theories are integrated to show how performance comparisons with members of another team increase or decrease cooperation in an intra-team social dilemma. 111 MBA and undergraduate students participated in a laboratory experiment that finds that comparison of performance across competitive teams generates cooperation when the comparison is favorable. A computer simulation identifies decisions processes, finding partial support for comparative information across teams acting to reinforce cooperation. It also indicates that personal consistency accounts for parts of the decision process. These processes operate in the form of a rule called Win-Stay/Lose-Revert.     

Does betrayal aversion really guide trust decisions towards strangers?

Trust is a double-edged sword. When warranted, it leads to positive and rewarding interactions. When not, it leads to disappointment and anger. Therefore, it has been argued that people will display “betrayal aversion” in trust situations (i.e., avoid trusting to avoid betrayal). Yet, people also feel tense and uneasy when they signal distrust to another person and thus show signs of “principled trustfulness” (i.e., choosing to trust others although being skeptical of their trustworthiness). These two theoretical orientations imply directly opposite influences on trust behavior. Thus, we conducted two laboratory studies (with a total of 841 participants) with binary trust games (implying a risk of being betrayed) and extended lottery games (implying no such risk). In both studies, we varied the payoff structures of both games. Further, we made sure that the average perceived likelihood of winning or losing money when choosing the risky option was identical in both games, as was the distribution of these likelihoods. Neither study showed any sign of betrayal aversion. Rather, participants were more willing to risk their money in the trust game than they were to invest their money in a lottery, supporting the principled trustfulness view. We discuss possible explanations why, unlike previous studies, we did not find any indication of betrayal aversion.     

It takes two to tango: An interdependence analysis of the spiraling of perceived trustworthiness and cooperation in interpersonal and intergroup relationships

We present three spiral reinforcement models that describe how mutual perceptions of trustworthiness and/or mutual cooperation may develop in dyadic interpersonal and intergroup relationships: a perceived trustworthiness spiral model, a cooperation spiral model, and a perceived trustworthiness-cooperation spiral model that posits a relatively more complex spiraling between trustworthiness perceptions and cooperation. Actor-Partner Interdependence Model (Kashy & Kenny, 2000) analyses of data from two joint venture business simulations provided support for the spiral models in interpersonal and intergroup relationships. While all three models received some support, the perceived trustworthiness-cooperation spiral received the most consistent support, suggesting that trust perceptions play a crucial mediating role in the development of cooperation in both interpersonal and intergroup interactions. Overall, it does “take two to tango”: the development of mutual trust and cooperation involves an intricate dance that spirals over time and is fundamentally affected by partners’ initial moves.     

Trust within teams: The relation with performance effectiveness

The acknowledgement that trust is important for the functioning of organizations has increased the demand for research showing how this importance is reflected on the behaviour of its members. In this article we focus on trust within teams and explore the relation with performance effectiveness. A model was tested relating trust with perceived task performance, team satisfaction, relationship commitment, and stress. In this model trust is presented as a multi-component variable with distinct but related dimensions. These include propensity to trust, perceived trustworthiness, cooperative and monitoring behaviours. Data from 112 teams collected in three social care institutions in The Netherlands were analysed with structural equation modelling to test the model. The results are supportive of the multi-component structure of trust and confirmed the importance of trust for the functioning of teams in organizations. The results suggest that trust is positively related with perceived task performance, team satisfaction, and relationship commitment, and negatively related with stress. In addition, perceived task performance was positively related with team satisfaction.     

Similarity bias in credit decisions for entrepreneurs on the brink of bankruptcy

For entrepreneurs in financial distress, it is of vital importance that investors and bankers accurately assess the viability of their business, free of unwanted biases that bear no relevance to the assessment of the chance of survival. Despite the prevalence of entrepreneurs facing financial distress, little research has yet investigated the role of cognitive biases in funding decisions in this important context. The current research attends to this issue and investigated whether entrepreneurs who are perceived by a banker as more similar are more likely to receive capital to save their business from bankruptcy than entrepreneurs who are perceived as less similar to the banker. Additionally, we investigated whether similarity bias affected bankers' attributions of what caused the financial distress as well as their perceptions of entrepreneurs' trustworthiness. Using an experimental research design, we found a similarity bias in bankers' causal attributions and trustworthiness judgments, but not in their credit decisions. We contrast our findings with similarity bias research among equity investors and discuss the implications for theory and practice.     

Organizational trust among job seekers: The role of information‐seeking and reciprocation wariness

This study explores job seekers’ information‐seeking and pre‐hire trust, and the role of reciprocation wariness in the development of pre‐hire trust. Individuals seeking a job with a technology company (N = 192) reported their perceptions of the organization’s website usability and perceived similarity to their recruiter, organizational trustworthiness and trust, and intent to accept a job offer. Wariness moderated the relationship between website usability perceptions and trustworthiness. Unexpectedly, the interaction was in the opposite direction of what we predicted. In addition, job seekers’ perceived similarity to their recruiter related to trustworthiness, and trust related to intent to accept a job offer. Our findings suggest that to some extent, recruiting organizations can encourage trust perceptions in the pre‐hire context.     

Air Force Commanders' Disciplinary Decisions on Spouse Abuse Cases

ABSTRACT

Inconsistencies exist among Air Force commanders when disciplining spouse abuse offenders, possibly owing to inadequate training, unclear role expectations, conflicting policy statements, or personal biases. This situation may lead to inappropriate decisions, further endangering victims and negatively impacting mission readiness. A sample of 624 Air Force squadron commanders was surveyed to measure how their perceived role and operations tempo affect their disciplinary decisions on two abuse scenarios. The study tested role and decision-theory concepts. Statistical results supported role theory in the predicted direction, and decision theory, but in the opposite direction hypothesized. Implications for theory, practice, and policy development for the military are discussed.     

Social Antecedents of Children's Trustworthiness

A total of 1329 children were tested twice across 1 year (M = 7 years 5 months of age at Time 1 (T1)) in the Zurich Project on Social Development. The measures at T1 were corporal punishment, neighbourhood trustworthiness and children's trustworthiness (not lying/cheating and not stealing). At Time 2 (T2), children reported the promise keeping of their classmates, which, via social relations analyses, yielded evidence for individual differences in reliability trustworthiness. Structural equation modelling analyses confirmed that there was stability in children's trustworthiness as a latent variable. The structural equation modelling further yielded evidence that (1) corporal punishment at T1 was negatively associated with children's trustworthiness at T1 and negatively predicted changes in children's trustworthiness and (2) neighbourhood trustworthiness at T1 was positively associated with children's trustworthiness at T1 and positively predicted changes in children's trustworthiness. The findings yielded support for the hypotheses that corporal punishment negatively, and neighbourhood trustworthiness positively, contributes to the development of trustworthiness in children. Copyright © 2011 John Wiley & Sons, Ltd.     

Impact of Organizational Identification and Psychological Safety on Initial Perceptions of Coworker Trustworthiness

Purpose

Initial trustworthiness perceptions serve as anchored reference points for subsequent trust perceptions and associated behavioral choices in organizations. Examining the relationship between the employee and the organization is an underexplored influence on such perceptions. This study is an investigation of how perceived psychological safety (PS) in the work environment and level of organizational identification (OI) influence initial perceptions of others?? trustworthiness.

Design/Methodology/Approach

Data were obtained through survey and scenario methods from a sample of high-potential managers (n?=?155) during participation in a leadership development training course.

Findings

Results demonstrate that both disposition to trust and PS have positive relationships with initial perceptions of others?? trustworthiness. There is also a significant negative moderating effect of OI on the relationship between psychology safety and perceived trustworthiness. PS has a strong positive significant relationship with initial perceptions of others?? trustworthiness when OI is low. This relationship is non-significant when OI is high.

Implications

This study provides evidence that the relationship between the employee and the organization can influence individual perceptions of initial trustworthiness in others.

Originality/Value

Aspects of the relationship between the trustor and the organization have not previously been considered as influences on initial trustworthiness perceptions. PS, often investigated as a direct influence on learning and performance, has not been previously examined as a socialized influence on trustworthiness perceptions.     

Facial attractiveness impressions precede trustworthiness inferences: lower detection thresholds and faster decision latencies

Prior research has found a relationship between perceived facial attractiveness and perceived personal trustworthiness. We examined the time course of attractiveness relative to trustworthiness evaluation of emotional and neutral faces. This served to explore whether attractiveness might be used as an easily accessible cue and a quick shortcut for judging trustworthiness. Detection thresholds and judgment latencies as a function of expressive intensity were measured. Significant correlations between attractiveness and trustworthiness consistently held for six emotional expressions at four intensities, and neutral faces. Importantly, perceived attractiveness preceded perceived trustworthiness, with lower detection thresholds and shorter decision latencies. This reveals a time course advantage for attractiveness, and suggests that earlier attractiveness impressions could bias trustworthiness inferences. A heuristic cognitive mechanism is hypothesised to ease processing demands by relying on simple and observable clues (attractiveness) as a substitute for more complex and not easily accessible information (trustworthiness).     

Deus Ex Machina: The Influence of Polling Place on Voting Behavior

Voting is perceived as free and rational. Citizens make whatever choices they wish, shielded from external influences by the privacy of the voting booth. The current paper, however, suggests that a subtle source of influence—polling places themselves—can impact voting behavior. In two elections, people voting in churches were more likely to support a conservative candidate and a ban on same‐sex marriage, but not the restriction of eminent domain. A field experiment found that people completing questionnaires in a chapel awarded less money (relative to people in a secular building) to insurance claimants seeking compensation for abortion pills, but not to worker's compensation claimants. A laboratory experiment found that people subliminally exposed to ecclesiastical images awarded less money (relative to people exposed to control images) to abortion pill claimants, but not to worker's compensation claimants. Exposure to ecclesiastical images affected only Christians; non‐Christians' awards were unaffected by the prime. These findings show that polling locations can exert a powerful and precise influence on political attitudes and decision making.     

Is interpersonal and institutional e‐trustworthiness equally important in consumer e‐trust development? Implications for consumers' e‐trust building behaviours

Trust is a widely studied phenomenon across numerous disciplines. E‐trust researchers have conducted a vast number of studies, but despite extensive interest in the issue, there are only few studies that concentrate on how consumers build e‐trust. Furthermore, consumer e‐trust is seen to be a function of both interpersonal and institutional e‐trustworthiness, but only limited number of attempts have been conducted to study the relative importance of interpersonal and institutional e‐trustworthiness in consumer e‐trust development process. The present article seeks to improve this situation by studying how consumers' perceived interpersonal and institutional e‐trustworthiness influence their intention to build e‐trust. The results of the study suggest that consumers build e‐trust actively, and the development of e‐trust is not only based on trustees' behaviour. Moreover, the results indicate that interpersonal e‐trustworthiness is more important than institutional e‐trustworthiness in consumers' e‐trust building. Copyright © 2010 John Wiley & Sons, Ltd.