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This research was conducted as part of a PhD study. The purpose of this paper is to explore the factors taken into consideration when multi-agency practitioners were considering financial harm in the context of adult protection and how this influenced their decision-making processes.

An adapted q sort methodology initially established the areas of financial harm considered to have additional factors, which led to complexity in adult protection decision making. These factors were further explored in individual interviews or focus groups.

The data identified that the decision-making process varied between thorough analysis, rationality and heuristics with evidence of cue recognition, factor weighting and causal thinking. This highlighted the relevance of Kahneman’s (2011) dual processing model in social work practice. Errors that occurred through an over reliance on System 1 thinking can be identified and rectified through the use of System 2 thinking and strengthen social work decision-making.

This paper considers the practice of multi-agency adult protection work in relation to financial harm and identifies the influences on decisions.

Technological progress and the advancement of the 4th Industrial Revolution (IR 4.0) are well underway. However, its influence on the transformation of core sectors from the perspective of consumer well-being remains under-explored. Seeking to bridge this gap in the marketing and public policy literature, this study aims to propose a conceptual framework to explicate how data-driven, intelligent and connected IR 4.0 technologies are blurring traditional boundaries between digital, physical and biological domains.

This is a conceptual paper using primarily a literature review of the field. The authors position the work as a contribution to consumer well-being and public policy literature from the lens of increasingly important in our technology-integrated society emerging technologies.

The authors define and conceptualize technology-enabled well-being (TEW), which allows a better understanding of transformative outcomes of IR 4.0 on three essential dimensions of consumer well-being: individual, societal and environmental. Finally, the authors discuss public policy implications and outline future research directions.

The authors highlight specific gaps in the literature on IR 4.0. First, past studies in consumer well-being did not incorporate substantial changes that emerging IR 4.0 technologies bring, especially across increasingly blurring digital, physical and biological domains. Second, past research focused on individual technologies and individual well-being. What is unaccounted for is the potential for a synergetic, proactive effect that emerging technologies bring on the aggregate level not only to individuals but also to society and the environment. Finally, understanding the differences between responses to different outcomes of technologies has important implications for developing public policy. Synergetic, proactive effect of technologies on core sectors such as healthcare, education, financial services, manufacturing and retailing is noted.