@misc{10481/64262,
year = {2020},
url = {http://hdl.handle.net/10481/64262},
abstract = {This study analyzes neural responses connected to trust and risk to explain fnancial digitalization
decisions. It shows that brain responses distinctively inform diferences in the adoption of digital
fnancial channels that are not shown by any other sociodemographic or behavioral indicators. From
a methodological standpoint, the study explores if usage patterns of digital fnancial channels and
instruments are associated with psychological and biological indicators; it uses functional magnetic
resonance imaging (fMRI) to investigate whether fnancial digitalization decisions are linked to the
evoked brain response to the safety associated with video images of fnancial transactions through
digitalized and non-digitalized channels; it conducts trust and risk neuro-experiments to identify their
impact on fnancial digitalization decisions and it analyzes whether brain structure is linked to fnancial
digitalization behavior. The fndings suggest that high and low frequency users exhibit diferences
in brain function and also in volume and fractional anisotropy values. A higher frequency of use of
fnancial digital fnancial services is associated with higher brain activation linked to insecurity (lower
safety neural evoked responses during the video task and an altered white matter microstructure
of the cingulum). Additionally, high frequency users of digital fnancial channels exhibit enhanced
activation of brain areas linked to emotional processing during the trust game. These fndings
have important implications for the design of public policies to enhance fnancial inclusion through
technology and the segmentation and service distribution strategies of private fnancial institutions.},
organization = {Funcas Foundation (Madrid)},
organization = {European Union (EU)

Spanish Government

ECO2017-87581-P/PGC2018-099415-B-100},
organization = {Junta de Andalucia

P12. SEJ.2463},
organization = {MCINN-FEDER 	
PGC2018-097811-B-I00
A-SEJ-151-UGR18},
organization = {Zayed University 	
PGC2018-097811-B-I00
A-SEJ-151-UGR18
R18023},
organization = {FUNCAS},
organization = {Spanish Ministry of Science, Innovation and Universities 	
FJCI-2017-33396},
organization = {B-SEJ-413-UGR18},
publisher = {NATURE RESEARCH},
title = {Brain substrates explain diferences in the adoption and degree of fnancial digitalization},
doi = {10.1038/s41598-020-74554-3},
author = {Carbó Valverde, Santiago and Lacomba Arias, Juan Antonio and Lagos García, Francisco Miguel and Rodríguez Fernández, Francisco and Verdejo Román, Juan},
}