We provide evidence on the relationship between four different aspects of Financial Literacy: Financial knowledge, attitudes towards money, self-efficacy, and financial behavior. Ninth-grade high school students (N = 2,025) in 22 schools and in four different educational tracks in the western part of the Netherlands took part in the survey. A multilevel analysis at school and individual level was applied. Findings show that financial behavior is highly associated with attitudes towards money as well as financial knowledge. Attitudes towards money, in turn, are associated with financial behavior and financial knowledge. Furthermore, financial knowledge is related to attitudes to-wards money and financial behavior. In order to improve financial behavior among high-school students, financial education programs should have a holistic approach and address all aspects of Financial Literacy.
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In light of increasing cashlessness, platform economies, Open Banking APIs, financial bots and cryptocurrencies, money is on the move - once inert, money is gaining agency, becoming programmable, automated, data-driven and part of 'more than human' infrastructures. These financial futures demand that designers engage with difficult questions of economy and value, while retaining a sensibility to the many subtle and social qualities of money and our everyday economic interactions. This one-day workshop will therefore bring together practitioners and researchers to explore design challenges related to four broad themes: Designing with Transactional Data; Designing Alternative Representations of Value; Money, Automation, Power, and Control; and Financial Futures with Vulnerable Users. Developing scenarios related to these themes, the workshop will cultivate a rich design space to establish the value of design-led research in shaping our financial futures.
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IntroductionOver time, surrogacy has become more broadly available to a variety of people (e.g. male same-sex couples or transgender women). Whether the wider public supports surrogacy, and what contributes to such support remains unclear. This study investigated what demographic and surrogacy arrangement-based (which people participate in the arrangement) factors shape attitudes towards surrogacy.MethodA representative sample of Dutch adults (N = 1,074) reported their attitudes on four (out of 30) randomly assigned vignettes in 2023. Each vignette described a surrogacy family with variations in sexuality and gender of parents, the social and genetic bonds between the parents, the surrogate, and the oocyte donor, and was followed by an attitude questionnaire (6 items). Multilevel regression analyses were conducted with attitudes as the dependent variable and demographic factors (gender, Dutch background, age, education, sexual orientation, urbanisation, and religiosity) and arrangement-based factors (parental composition, genetic and social bonds with the surrogate, and oocyte donors).ResultsParticipants held fairly positive attitudes towards surrogacy. People identifying as women, with only having a Dutch background, who were younger, more highly educated, non-heterosexual, or less religious were more likely to have positive attitudes. Participants had more positive attitudes if surrogacy arrangements entailed cis-man cis-woman parents compared to cis-man cis-man or transgender parents, and when there was no social bond between parents and oocyte donor.ConclusionsAttitudes are influenced by both demographic and arrangement-based factors. Based on these findings, families can be informed of fairly positive reactions they might encounter from their environment.
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