Improving Financial Inclusion through Communal Financial Orientation: How Financial Service Providers Can Better Engage Consumers in Banking Deserts

Banking deserts, vulnerable communities that lack access to mainstream banks, represent a serious societal problem. Mainstream banks successfully entering banking deserts can help to assuage this problem. Drawing from research on the psychological consequences of poverty, we propose that mainstream banks can more successfully operate in banking deserts by increasing consumers’ perception of communal financial orientation as a bank benefit (i.e., consumers’ perception that engaging with the bank is beneficial for their community's well‐being). Two field studies, comparing customers of a credit union who live in a banking desert and those who do not, show that the perception of communal financial orientation as a bank benefit increases banking‐desert consumers’ beliefs that engaging with the credit union is beneficial and increases their likelihood of patronizing and recommending it; consumers living outside banking deserts do not display these effects. These findings provide novel insights into psychological mechanisms distinctly associated with banking‐desert consumers and establish the importance of communal financial orientation. This is a win‐win proposal for under‐served communities and financial service providers because it helps both improve financial inclusion and increase the viability of serving banking deserts.     

Computer-aided reporting of the results of mental retardation evaluations

The MR Report Assistant is designed to perform the types of routine tasks that computers do well, while freeing the skilled psychologist to concentrate on tasks that are best done by knowledgeable humans. The Assistant is intended for reporting the results of psychological evaluation of known or suspected mental retardation patients using a standard battery consisting of the WAIS-R, the Vineland, and an interview. The program encourages the inclusion of additional information by writing to a disk file suitable for editing with a word processor, rather than directly to a printer. Research and training are encouraged by making the program available to qualified persons at no charge.     

Sex differences in reporting sensitive behavior: A comparison of interview methods

While telephone surveys generally are considered to be comparable to in-person interviews for the collection of survey data, their utility for the acquisition of sensitive information from respondents remains in question. This paper examines the effect of interview method upon self-reports of a threatening topic—substance use—for male and female college students. It is hypothesized that males may be less likely to admit sensitive behaviors in telephone interviews, compared to face-to-face encounters, due to an interaction of a characteristic of the telephone medium (i.e., the lack of balanced exchange of identifying information between the interviewer and respondent) and aspects of the male sex role, which discourages self-revelation. Findings indicate that differences in reported use of both legal and illegal substances by interview method were greater among males than females. These gender differences in reporting behavior by survey method remained after statistical controls were applied.     

Exploring outcomes through narrative: the long-term impacts of Better Beginnings, Better Futures on the turning point stories of youth at ages 18-19

This study examined the long-term effects of the Better Beginnings, Better Futures project, a community-based early childhood development program, on 18–19 year-old youths’ narratives about turning points in their lives. The sample consisted of youth who participated in Better Beginnings from ages 4–8 (n = 62) and youth from a comparison community who did not participate in Better Beginnings (n = 34). Controlling for covariates, significant differences favoring youth from the Better Beginnings sites were found on several dimensions of the turning point stories: ending resolution, personal growth, meaning-making, coherence, and affect transformation. Effect sizes ranged from .45 to .76 for these outcome dimensions, indicating moderate to large effects. Also, turning point story dimensions were found to be significantly correlated with two standardized measures of well-being: youths’ self-esteem and community involvement. Youths’ self-esteem was directly related to story ending resolution, personal growth, and meaning making, and youths’ community involvement was directly related to story specificity, meaning making, and coherence. Family functioning was also examined in relation to these narrative dimensions but was not found to be significantly related to them. The findings suggest the utility of a narrative approach for the evaluation of the long-term outcomes of early childhood development programs.     

Improving spatial abilities through mindfulness: effects on the mental rotation task

In this study, we demonstrate a previously unknown finding that mindful learning can improve an individual’s spatial cognition without regard to gender differences. Thirty-two volunteers participated in the experiment. Baselines for spatial ability were first measured for the reaction time on the mental rotation task. Next, the participants were randomly assigned to either a mindful or mindless learning condition. After learning, the mental rotation task showed that those in the mindful learning condition responded faster than those in the mindless learning condition. This study provides promising evidence for applying mindful learning to education.     

The consecutive controlled case series: Design,data-analytics,and reporting methods supporting the study of generality

Single-case experimental designs (SCEDs) have proven invaluable in research and practice because they are optimal for asking many experimental questions relevant to the analysis of behavior. The consecutive controlled case series (CCCS) is a type of study in which a SCED is employed in a series of consecutively encountered cases that undergo a common procedure or share a common characteristic. Additional design elements, data-analytic, and reporting methods enable researchers to ask experimental questions relevant to the study of generality of procedures and processes. The current paper discusses the CCCS methodologies, including the retrospective, prospective, and randomized CCCS. These methodologies can be applied to examine the generality of clinical procedures (including their general efficacy, the limits of their generality, and variables that may mediate generality); study the epidemiology and phenomenology of clinical problems; and compare the efficacy of 2 clinical procedures within a randomized controlled trial combining SCEDs with randomized group designs.     

The neural correlates of happiness: A review of PET and fMRI studies using autobiographical recall methods

Although very difficult to define, happiness is becoming a core concept within contemporary psychology and affective neuroscience. In the last two decades, the increased use of neuroimaging techniques has facilitated empirical study of the neural correlates of happiness. This area of research utilizes procedures that induce positive emotion and mood, and autobiographical recall is one of the most widely used and effective approaches. In this article, we review eight positron emission tomography and seven functional magnetic resonance imaging studies that have investigated happiness by using autobiographical recall to induce emotion. Regardless of the neuroimaging technique used, the studies conducted so far have shown that remembering happy events is primarily associated with the activation of many areas, including anterior cingulate cortex, prefrontal cortex, and insula. Importantly, these areas are also found to be connected with other basic emotions, such as sadness and anger. In the conclusion, we integrate these findings, discussing important limitations of the extant literature and suggesting new research directions.     

Photography as unconcealment: revisiting the idea of photographic transparency

What distinguishes photography from other visual mediums? This deceptively simple but fundamental question has been at the centre of both past and current debates on the aesthetics of photography for quite some time. In this article, I will first address the premise that this question is intrinsically ontological and unfolded in pioneering debates as a sequence of implications about photographic indexicality. I will then argue that the ontological implications of photographic indexicality have been largely overlooked in subsequent research due to scholars’ concerns with how photography appears to us rather than what photography is in itself. To this end, I will specifically examine Kendall Walton's highly contested transparency thesis and some of its rebuttals, which have exerted a sprawling influence on debates on the aesthetics of photography. I will also argue that, having been exceedingly implicit in his account, what appears as indexicality to Walton and the implications thereof with respect to the transparency argument has operated on a phenomenological level; thus, the thesis itself has failed in instances in which the problem of representation and the very existence of the medium come into play. Finally, I will suggest that indexicality can be regarded as a distinctive feature of photography only when it is considered a predicate of transparency as an interstice of ‘unconcealment’ in the Heideggerian sense that would call into question the very existence of the representation and the photographic medium.     

Improving memory performance in the aged through mnemonic training: a meta-analytic study.

The effectiveness of memory training for the elderly was examined through a meta-analysis of pre-to-posttest gains on episodic memory tasks in healthy subjects aged 60 or above. Pre-to-posttest gains were found to be significantly larger in training groups (0.73 SD, k = 49) than in both control (0.38 SD, k = 10) and placebo (0.37 SD, k = 8) groups. Treatment gains in training groups were negatively affected by age of participants and duration of training sessions and positively affected by group treatment, pretraining, and memory-related interventions. No differences in treatment gain were obtained as a function of type of mnemonic taught nor the kind of pretraining used.     

Compound fracture: the role of semantic transparency and morphological headedness

This paper explores the role of semantic transparency in the representation and processing of English compounds. We focus on the question of whether semantic transparency is best viewed as a property of the entire multimorphemic string or as a property of constituent morphemes. Accordingly, we investigated the processing of English compound nouns that were categorized in terms of the semantic transparency of each of their constituents. Fully transparent such as bedroom are those in which the meanings of each of the constituents are transparently represented in the meaning of the compound as a whole. These compounds were contrasted with compounds such as strawberry, in which only the second constituent is semantically transparent, jailbird, in which only the first constituent is transparent, and hogwash, in which neither constituent is semantically transparent. We propose that significant insights can be achieved through such analysis of the transparency of individual morphemes. The two experiments that we report present evidence that both semantically transparent compounds and semantically opaque compounds show morphological constituency. The semantic transparency of the morphological head (the second constituent in a morphologically right-headed language such as English) was found to play a significant role in overall lexical decision latencies, in patterns of decomposition, and in the effects of stimulus repetition within the experiment.     

Valuing Values: Better Public Engagement on Nanotechnology Demands a Better Understanding of the Diversity of Publics

As public attitude research evolves, often becoming more complex and variable, we are coming to understand that public attitudes are also more complex and variable than can often be captured by a single opinion poll, and more sophisticated forms of analyses are needed that look not just at a breadth of attitudes, but at a breadth of publics. The Australian Department of Industry undertook a public attitude study in 2012 that was not only longitudinal, looking at changes in attitudes towards nanotechnologies, but also looking at the values or worldviews that influence attitudes. The findings allowed for a segmentation of the public, into four key segments, with distinct homogenous attitudes. This allows for not just a deeper understanding of the diversity of views that exist and the worldviews that influence them, but challenges engagement practitioners to ensure they have a broad representation of participants with different attitudes and do not favour one or two segments only.     

The McMaster family therapy outcome study: an overview of methods and results

A multifaceted outcome design was used to investigate the results of brief, system-oriented family therapy. The present report describes the methods used and provides an, overview of clients' status on a variety of outcome measures. Treatment was brief and involved the entire family in most cases. Therapists varied in discipline (psychiatry, social work, psychology or nursing) and experience (students to very senior status). A variety of measures were obtained at the beginning of treatment, at treatment closure, or after a six month follow-up. Independent interviewers conducted the six month follow-up. Measures were obtained regarding the parents' and children's level of intellectual functioning, children's academic achievement, and disruptive school behaviour. Therapists' ratings of the families' change in treatment and prognosis were also obtained at treatment closure. At follow-up, measures of the children's academic achievement and disruptive school behavior were repreated and the interviewers determined the family's satisfaction with the services they received. The results indicate that the majority of families did well on most of the measures considered. No significant change was found in terms of the children's academic performance, but there was a significant decline in their disruptive school behaviour.This project was funded by grants from the Medical Research Council of Canada, and Health and Welfare Ministry, Canada.