Consumer Decision Making
Consumer Health & Well-Being
Urban Consumption Read more »
Stovall, T. "Loyalty by any other name: A literature review of brand and store loyalty."
AMA/ACRA Triennial Conference, Seattle, WA (April, 2012) - presentation
Ligon, V., Milla, S., Stovall, T. (equal authorship) "Is it really mine? Making sense of ownership in the digital world: A qualitative study of consumer relationships with digital possessions." Academy of Marketing Conference, Southampton, U.K. (July, 2012) - paper accepted
FELLOWSHIPS & GRANTS
The Ph.D. Project - Marketing Doctoral Students Association (2011-present)
University of Arizona Graduate Diversity Fellowship (2010)
University of Arizona College of Agriculture and Life Sciences Fellowship (2012)
Marketing & Public Policy Workshop and Doctoral Seminar (June, 2012) - sponsored attendee & travel grant recipient
Advisor - Black Retail Action Group (BRAG) - (UA chapter of national student club - housed in Terry J. Lundgren Center for Retailing) - 2011-present
AMA/ACRA Triennial Conference 2012 - submission reviewer
ACRA Conference 2013 - submission reviewer
AMA Summer Educator's Conference 2013 - submission reviewer
Stanford Class of 1989 - 10-year reunion Co-chair; 15-year reunion planning committee
Reveille Men's Chorus of Tucson - Board of Directors (2011-present); Member (2010-present)
Service marketing, Consumer’s buying behavior, Retail strategy
Jennifer earned her Bachelor's degree in French and Spanish Literature from the University of Washington in 1997 and her Master's degree in Business from the Eller MBA program at The Univer Read more »
My current research interests include (1) the impact of information technology on consumer communication mechanism and consumer information processing, (2) ethical aspects of consumers and their re Read more »
My position as associate professor in the Academic Program of Retailing and Consumer Sciences has allowed me to convert my passion for learning about consumer decision-making and behavior into a ca Read more »
retailing technology and diverse cultures
During my 14 years of experience as a researcher, I have focused on consumer decision-making issues in the contexts of innovative technological advances, services and diverse cultures.
In my research, I attempt to pursue questions for which I truly desire an answer. For example, I would like to better understand why consumers choose particular shopping channels (e.g., catalog, online, store) to browse, find information and make purchases. My early studies in this area centered on consumers’ decision-making in relation to the then “new” channel of shopping via the Internet, and I currently seek to contribute to the limited knowledge on consumers’ decision-making within the multiple-channel setting (i.e., store, online, catalog).
My second research stream encompasses services retailing. As a doctoral student, I was asked to teach a services marketing course. At the time, it was considered a “new consciousness” in the marketing domain. Since that time, I have been fascinatinated with consumers’ attitudes and reactions to negative experiences such as consumer complaint behavior and waiting.
Finally, as part of my master’s program, I helped acclimate incoming international graduate students to U.S. culture. These responsibilities led to my third context for studying consumer decision-making: diverse cultures, with an emphasis on acculturation and cultural values.
Please contact Dr. Sherry Lotz if you are unable to locate one of the publications listed below.
Yan, R. & Lotz, S. L. (forthcoming). Taxonomy of the influence of other customers in consumer complaint behavior: A social-psychological perspective. Journal of Consumer Satisfaction, Dissatisfaction and Complaining Behavior.
Eastlick, M. A., Lotz, S. L., & Warrington, P. (2006). Understanding online B-to-C relationships: An integrated model of privacy concerns, trust, and commitment. Journal of Business Research. 59 (8), 877-886.
Yan, R. & Lotz, S. L. (2005). The waiting game: The role of predicted value, wait disconfirmation, and providers’ actions in consumers’ service evaluations. Advances in Consumer Research, 33.
Lotz, S. L., Shim, S., & Gehrt, K. C. (2003). A study of Japanese consumers’ cognitive hierarchies in formal and informal gift-giving situations. Psychology & Marketing. 20 (1), 59-85.
Shim, S., Eastlick, M. A., Lotz, S. L., & Warrington, P. (2001). An online prepurchase intentions model: The role of intention to search. Journal of Retailing. 77 (3), 397-416. (Best Paper Award: The Sixth Triennial AMS/ACRA Retailing Conference)
Lotz, S. L. & Hu, M. Y. (2001). Diluting negative country of origin stereotypes: A social stereotype approach. Journal of Marketing Management. 17 (1-2), 105-135.
Eastlick, M. A., & Lotz, S. L. (2000). Objective and multidimensional acculturation measures: Implications for retailing to Hispanic consumers. Journal of Retailing and Consumer Services, 7, 149-160.
Lotz, S. L., Eastlick, M. A., & Shim, S. (2000). Modeling patrons’ activities at entertainment malls: A study in “flow”. American Marketing Association Conference Proceedings. Chicago: 11, 256-258.
I love teaching. It is as simple as that. I love the process of helping someone - be that in a formal classroom, in an online course, with an employee or colleague in my private bu Read more »
Financial analysis and decision-making
I have always had a wide range of interests: business, mathematics, politics, sociology and more. Read more »
I am a rare generalist in today's greatly specialized academic world, and this wide-angle focus is necessary to give good personal finance advice, as the area is so broad and interrelational. Thus, I research and study advanced mathematical finance, corporate finance, behavioral finance, economics (both macro and micro), psychology, sociology and more.
One piece I'm proud of is a letter I published in The Economists' Voice in 2006, a journal edited by a Nobel Prize-winning economist. This letter stated an important reason for the existence of significant market inefficiency that I had not seen explicitly in the literature. The insight is especially significant in light of the financial crisis of 2008.
Please contact Dr. Richard Serlin if you are unable to locate one of the publications listed below.
Serlin, R. (2008). Letter: Magin Begs Liberals to Think Twice about Social Security Privatization—I Say, "Think Thrice". The Economists' Voice 5.1.
Serlin, R. (2006). Letter: Informed Investors Have Limited Ability to Push Prices to Efficiency. The Economists' Voice 3.8.
Over the past two decades I’ve been lucky to have a career that was half in the academic world and half in the public policy world. Read more »
Consumer financial decisions
Economics of retail financial services markets
Financial and economic education
I’ve designed projects on a wide range of policy-oriented issues involving the economics of consumer credit markets. Topics have included the causes and consequences of personal bankruptcy and mortgage foreclosures; the role of credit bureau data, credit scoring and risk management tools in expanding access to consumer loans in the U.S. and globally; and the pros and cons of improved loan disclosures and regulatory limits on loan products in helping consumers to make good credit choices.
I’ve also conducted projects for the National Retail Federation and other national associations on issues such as credit card usage patterns and the impact of privacy regulations on the products and customer service offered by retail financial services firms.
I’m particularly proud of a series of projects sponsored by American Express and the Consumer Federation of America that demonstrate the rehabilitative effects of credit counseling on long-term borrower behavior. I am also proud of our efforts to create pilot demonstration projects here at the University of Arizona that pair financial education with financial products (e.g., savings programs; student loans) to encourage and support completion of higher education degrees.
Please contact Dr. Michael Staten if you are unable to locate one of the publications listed below.
Durkin, Thomas, Gregory Elliehausen, Michael Staten and Todd Zywicki. (forthcoming 2013). Consumer Credit and the American Economy. Oxford University Press.
Refereed journal articles
Smith, L. Douglas, Michael Staten, Thomas Eyesell, Maureen Karig, Elizabeth Freeborn and Andrea Golden. 2013 (in press). “Accuracy of Information Maintained by U.S. Credit Bureaus: Frequency of Errors and Effects on Consumers’ Credit Scores. Journal of Consumer Affairs.
Brown, Daniel, Charles Link and Michael Staten. (2012). The Success and Failure of Counseling Agency Debt Repayment Plans. Eastern Economic Journal, 38: 99-117.
Barron, J.M., and Staten, M.E., (2008). The Emergence of Captive Finance Companies and Risk Segmentation in Loan Markets: Theory and Evidence. Journal of Money Credit and Banking. 40, 173-192.
Elliehausen, G., Staten, M.E., & Steinbucks, J. (2008). The Effect of Prepayment Penalties on the Pricing of Subprime Mortgages. Journal of Economics and Business. 60, 33-46.
Ellliehausen, G., Staten, M.E., & Lundquist, E.C. (2007). The Impact of Credit Counseling on Subsequent Borrower Credit Usage and Payment Behavior. Journal of Consumer Affairs. 41, 1-28.
Staten, M.E. (2006). The Evolution of the Credit Counseling Industry. The Economics of Consumer Credit, edited by Bertola, et al, The MIT Press. 275-300.
Elliehausen, G. & Staten, M.E. (2004). Regulation of Subprime Mortgage Products: An Analysis of North Carolina’s Predatory Lending Law. Journal of Real Estate Finance and Economics. 29, pp 411-433.
Cate, F., Litan, R. Staten, M.E., & Wallison, P. (2003). Financial Privacy, Consumer Prosperity and the Public Good: Maintaining the Balance. AEI-Brookings Joint Center for Regulatory Studies.
Cate, F. & Staten, M.E., (2003). The Impact of Opt-In Rules on Retail Credit Markets: A Case Study of MBNA. Duke Law Journal, 52, pp 745-786.
Barron, J.M., Staten, M.E., & Wilshusen, S. (2002). The Impact of Casino Gambling on Personal Bankruptcy Filing Rates. Contemporary Economic Policy. 20, 440-455.
Carow, K. & Staten, M.E., (2002). Plastic Choices: Consumer Usage of Third Party vs. Proprietary Credit Cards. Journal of Economics and Finance. 26, 216-232.
I have always been an observer of people — as a child within my large, extended Italian family, in school and in my career. I am intrigued by people’s behavior. Read more »
Financial coping behaviors
Financial stress and well-being
Family environment and financial well-being
Positive youth development
Financial literacy among lower income youth and families
Given my business background and my interest in people, my passion for grounding research insights on human behavior into information that is useful in the everyday lives of individuals and families is not surprising. I have both field and research experience working with youth and adult individuals and groups from youth through adulthood. Broadly speaking, my research emphasizes the social interactions that shape individual health and well-being in adults, particularly interactions that occur during adolescence and emerging adulthood.
As the Principal investigator and project manager of the Arizona Pathways to Life Success for University Students (APLUS) project, I collaborate with a cross-disciplinary team of researchers and campus administrative personnel investigating how young adults develop financial capability. We are following 2,000+ UA students (30% of the 2007 cohort) into adulthood, surveying them every 2-3 years to understand how their financial behaviors change over time, and what accounts for the changes. This research will help us to develop a theory to better predict financial behaviors of young adults and the link between early financial behaviors and well-being in later life.
As a co-investigator on a recently awarded NIH/NIAAA R01 grant, we are examining the long-term effects of family financial stress and parent-child relationships during adolescence on young adult family relationships, financial stress, and alcohol problems, using four waves of AddHealth data. Considering potential mechanisms and directions of influence among these key constructs has the potential to inform future prevention and intervention research.
Because Interventions based on findings from social science research have the potential to benefit vulnerable populations in diverse ways — for example, improving educational outcomes, providing job and life skills, and reducing risky behaviors (e.g., drug/alcohol use) — I have also led several evaluation studies of educational and other program interventions.
Money, Consumer and Personal Finance
Please contact Dr. Joyce Serido if you are unable to locate one of the publications listed below.
Serido, J., Lawrey, C., Li, G., Conger, K., Muraco, J., & Russell, S. (2013). The associations of financial stress and parenting factors with alcohol behaviors during the transition to adulthood. Journal of Family and Economic Issues.
Serido, J. & Joseph, M. (2014). Challenging Assumptions: Crossing Disciplinary Divides to Make Knowledge about Gender and Finance. Feminist Formations.
Serido, J., Shim, S., Xiao, J. J., Card, N., and Tang, C. (2014). Financial adaptation among college students: Helping students cope with financial strain. Journal of College Student Development.
Shim, S., Serido, J., Tang, C., & Card, N. (In press). Socialization processes and pathways to healthy financial development for young adults. Journal of Applied Developmental Psychology.
Serido, J., Shim, S., &Tang, C. (2013). A framework for promoting financial capability among young adults. International Journal of Behavioral Development. 37 (4), 287 - 297
Totenhagen, C. J., Curran, M. A., Serido, J., & Butler, E. A. (2013). Good Days, Bad Days: Do Sacrifices Improve Relationship Quality? Journal of Social and Personal Relationships. doi: 10.1177/0265407512472475
Shim, S., Serido, J., Bosch, L. &Tang, C. (2013). Financial identity styles among young adults: A longitudinal study of socialization factors and consequences on financial capabilities. Journal of Consumer Affairs, 47(1), 128-152.
Shim, S., Serido, J., & Tang, C. (2013). After the Global Financial Crash: Individual Factors Differentiating Young Adult Consumers’ Trust in Banks and Financial Institutions. Journal of Retailing and Consumer Services, 20, 26-33.
Totenhagen, C. J., Serido, J., Curran, M. A.., & Butler, E. A. (2012). Daily hassles and uplifts: A diary study on understanding relationship quality. Journal of Family Psychology, 26, 719-728.
Serido, J., Borden, L. & Bracamonte-Wiggs, C. (2011). Breaking down potential barriers to continued program participation. Youth and Society. doi: 10.1177/0044118X11424916
Shim, S., Serido, J., & Tang, C. (2011). The ant and the grasshopper revisited: The present psychological benefits of saving for tomorrow. Journal of Economic Psychology, 33(1), 155-165.
Xiao, J. J., Tang, C., Serido, J., Shim, S. (2011). Antecedents and Consequences of Risky Credit Behavior Among College Students: Application and Extension of the Theory of Planned Behavior. Journal of Public Policy and Marketing, 30(2), 239-245.
Shim, S., Serido, J., & Barber, B. L., (2011). A consumer way of thinking: Linking consumer socialization and consumption motivation perspectives to adolescent development. Journal of Research on Adolescence: Decade in Review, 21(1), 290-299.