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This study aims to develop and test a parsimonious theoretical model of risky indebtedness behaviour, a facet of over-indebtedness that refers to the behavioural tendency of often assuming hazardous debt levels.

The authors administered an online survey to credit card owners (n = 1,288) in an emerging economy in which consumer credit is characterized by extremely high interest rates (i.e. Brazil). The authors used covariance-based structural equation modelling to analyse the data and test for mediation effects.

Individuals who inadvertently consider their credit limits a part of their current income or are typically anxious about money are prone to engage in impulsive buying and, consequently, risky indebtedness behaviour. By engaging in such indebtedness behaviour, individuals weaken their financial preparedness for emergencies, which potentially jeopardizes their overall financial well-being.

As indebtedness is a highly sensitive issue, the self-report measures used may have produced social desirability bias.

This study discusses the responsibility of financial institutions to support consumers in building awareness on how to adequately use financial services and to provide credit access to high-risk consumers. Policymakers need to ensure that those in the private sector play fairly.

This study adds new knowledge about how destructive financial behaviours operate and impact marketing and consumers’ financial well-being. It theorizes about indebtedness by critically examining existing and newly developed concepts in the financial services marketing literature.

The purpose of this paper is to investigate whether and to what extent different forms of symbiotic relationships (named mutualism and collaboration) within a usage centre lead to different levels of value in use for its resource integrators. This study focusses on the educational services provided in deprived neighbourhoods to potentially vulnerable adolescents.

This study applies a two-phase sequential exploratory mixed-method design. The first phase included a qualitative study that involved both the focal (the students) and peripheral resource integrators (the students’ parents) of a Brazilian educational institution that had exceptional results. The qualitative findings were used to build a comparative multi-group survey with four subgroups in which 530 peripheral resource integrators participated.

A mutualistic educational institution in which the participation of students’ parents is mandatory creates more value in use than collaborative institutions in which parental participation is optional. In the context of educational services for vulnerable adolescents, value in use is echoed in the coexistence of families, greater caring about the students, and the encouragement from the adolescents’ positive beliefs about education and respectful relationships with others.

Initiatives aimed at addressing social issues regarding children or adolescents in situations of vulnerability will achieve better results if their families are contemplated and involved.

This study is the first to empirically test Kleinaltenkamp et al.’s usage centre framework (2017). In so doing, the study advances the understanding of how the interdependence of actors in the usage processes leads to value creation for vulnerable populations.

The purpose of this paper is to demonstrate how macro-social marketing can contribute to the United Nations 2030 sustainable development’s goal of reducing non-communicable diseases and promoting and well-being by addressing the wicked problem of obesity.

A comprehensive, population-based intervention developed as a call-to-action movement to address obesity city-wide in Brazil was conducted and analyzed according to a macro-social marketing perspective, combined with the total process planning model (TPP).

The intervention was successful in effecting systemic change by targeting multi-level audiences to trigger active participation and interaction of multiple sectors at the macro, meso and micro levels; fostering the related positive behaviors of physical activity and healthful eating; and using a complementary range of intervening tools including events, mass media and social digital media.

Using a holistic view that combines macro-social marketing with the TPP, this paper offers factual evidence on how to connect research and action meaningfully to address obesity by engaging, connecting and/or partnering with multiple stakeholders in an effort to promote a healthful lifestyle and well-being.

The purpose of this paper is to develop valid and reliable scales for assessing a driver and two obstacles potentially related to financial well-being (FWB): financial preparedness for emergency, beliefs of credit limits as additional income and risky indebtedness behaviour.

The scales were developed from scratch across six studies, employing a two-step methodology, which encompassed both qualitative (e.g. focus group, interviews) and quantitative (i.e. online surveys) data collection. Exploratory and confirmatory factor analyses were employed to test and validate the proposed scales.

This study provides a set of three parsimonious, self-reported behavioural measures that could be employed in conjunction with objective economic indicators to identify individuals who are financially ill prepared and potential candidates for delinquency. The three proposed scales achieved satisfactory levels of reliability and convergent and discriminant validity.

The resulting scales still need to be tested for predictive validity and in different consumer groups. The scales were validated in a single culture population (Brazil, a country that presents extraordinarily high credit card interest rates), and they should be tested cross-culturally in countries with different economic and credit policies.

The literature on FWB has traditionally employed objective financial indicators as an attempt to measure the concept of FWB and its elements. Self-reported behavioural measures of such constructs are scant to the point of being non-existent for some elements. This study is the first to offer scales for measuring the elements of financial preparedness for emergency, beliefs of credit limits as additional income and risky indebtedness behaviour.

The paper seeks to present discussion on laddering application in the practice of marketing, considering both academic and market researches.

It provides summary points of laddering as a qualitative research technique and the importance it can have in better understanding behaviour.

The paper argues that laddering is a useful and powerful technique but still underused by scholars and practitioners. The authors consider that the main apparent barriers precluding its proper use can be related to the following aspects: time‐consuming and expensive interviews; artificial set of answers; researcher biases; and simplistic analysis of the results.

This paper contributes to a better practice of laddering since it highlights its limitations and suggests alternatives to cope with them.

The purpose of this study is to assess the moderating and mediating roles of credit card usage in the relationship between money attitudes (i.e. power-prestige, retention-time, distrust and anxiety) and compulsive buying behaviour.

The research design comprised a cross-sectional survey and two focus-group interviews. A structured questionnaire was completed by 365 young credit card users in São Paulo in Brazil, and two focus group discussions were conducted comprising six participants each.

Results showed that misuse of credit cards significantly increased compulsive buying among individuals with high levels of anxiety. Credit card usage partially mediates the relationship between compulsive buying and three variables established in the literature: power-prestige, retention-time and anxiety. Credit card usage did not significantly mediate the effect of distrust (or price sensitivity) on compulsive buying behaviour. Respondents’ price sensitivity did not by itself reduce levels of usage, though it did have an effect on overspending in conjunction with the other factors studied. The key themes that emerged from the focus-group interviews enhanced the survey’s results with greater in-depth understanding.

This study was the first to compare the moderating and mediating effects among the four elements of money attitudes and compulsive buying behaviour. It addresses the issue of financial literacy, money management and overspending – a special concern for today’s emerging economies – in a Brazil, Russia, India and China (BRIC) country.

This study aims to investigate the intentions of individuals’ monetary charity during the COVID-19 crisis in Kuwait. The new conditions of COVID-19 enhanced both the theoretical as well as empirical importance of understanding how charities canalize monetary donations toward those in need.

An initial framework is developed based on the theory of planned behavior (TPB) to conceptualize how an individual’s intention of donating money to charitable organizations is realized in their behaviors. A cross-sectional study of 276 donors is conducted.

Explained variance gained is 0.73% suggesting that during the pandemic, donors are financially able to donate and prioritize easily accessible channels to transfer monetary charity. Donor attitudes towards charitable organizations were found to be insignificant regardless of the mismanagement reported.

This study importantly discusses public behavior toward charities during the pandemic and suggests policies for managing such charities during a pandemic for optimizing their effectiveness.

This paper used a contemporary context to measure behavioral intentions including attitude (attitude toward making a financial donation, attitude toward charitable organizations and the attitude toward helping others), perceived behavioral control, descriptive norms, moral norms, injunctive/prescriptive norms and past behavior and thus enhance the empirical base of the TPB.