Descrizione del progetto
Un linguaggio chiaro per l’alfabetizzazione finanziaria
Nel mondo moderno, da quando la responsabilità di prendere decisioni finanziarie è passata dalle istituzioni ai singoli individui, l’alfabetizzazione finanziaria, ovvero la capacità del singolo di comprendere in modo corretto le informazioni finanziarie, è diventata sempre più necessaria. Essendo stata tale esigenza riconosciuta quale un problema anche dall’UE, sono stati presi in considerazioni numerosi metodi, tra cui l’impiego di testi caratterizzati da un linguaggio chiaro. Sfortunatamente, questo metodo non ha ottenuto risultati costanti e la sua possibile utilità futura non è attualmente corroborata da alcuna prova empirica. Il progetto PLanTra, finanziato dall’UE, affronterà questa problematica approfondendo l’impatto esercitato dall’insegnamento mediante un linguaggio chiaro sugli studenti di discipline economiche e analizzando la comprensibilità dei testi.
Obiettivo
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.
Campo scientifico
Programma(i)
Argomento(i)
Meccanismo di finanziamento
MSCA-IF-EF-ST - Standard EFCoordinatore
2000 Antwerpen
Belgio