Projektbeschreibung
Die Finanzkompetenz mittels leicht verständlicher Sprache fördern
In der heutigen Welt werden finanzielle Entscheidungen zunehmend von Einrichtungen auf Individuen verlagert. Auf der individuellen Ebene besteht daher ein steigender Bedarf an finanzieller Kompetenz, verbunden mit der Fähigkeit, finanzielle Informationen richtig zu erfassen. Dies wurde von der EU als Problem erkannt und führte zur Erwägung mehrerer Methoden, darunter die Verwendung leicht verständlicher Texte und Ausdrucksweisen. Diese Methode lieferte jedoch keine einheitlichen Ergebnisse und zu ihrem voraussichtlichen Nutzen liegen keine ausreichenden empirischen Daten vor. Hier setzt das EU-finanzierte Projekt PLanTra an. Es untersucht, wie sich Schulungen zu einer zugänglicheren Sprache auf Studierende der Wirtschaftswissenschaften und die Verständlichkeit von Texten auswirken.
Ziel
With the responsibility for financial decisions shifting from institutions to individuals, the ability to understand financial information (known as ‘financial literacy’) is paramount. Having reduced financial literacy results in higher risk of over-indebtedness, and in reduced ability to manage one’s wealth. Text simplification, involving the use of plain language, is one of the strategies adopted to meet the needs of low-literacy readers. The comprehensibility of financial texts has received attention at the European level. An action plan developed as part of the EU policy on consumer financial services lists opaque terms and conditions among the concerns raised by customers when conducting cross-border shopping. Despite plain language efforts, the comprehensibility of financial content has not been increasing consistently. Scholars have therefore emphasised the need to train business (communication) students in text simplification and provided resources to that end. There is, however, lack of empirical evidence on the benefits (or lack thereof) of plain language training. This project aims to address this research gap by investigating the impact of plain language training on: (i) how financial texts are simplified by business students; and (ii) the resulting comprehensibility of simplified financial texts among lay readers with different levels of financial literacy. To do so, I will conduct two experimental studies. For the first study, focusing on the simplification process, I will use keystroke logging, retrospective interviews, and screen recording. For the second study, dealing with the comprehensibility of financial content, I will use multiple-choice questions. This project can identify simplification-oriented revisions that are implemented by business students and that are beneficial for comprehension of financial content. Ultimately, these findings can guide financial institutions in their efforts to meet the needs of readers with low financial literacy.
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MSCA-IF-EF-ST - Standard EFKoordinator
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Belgien