We Are Not All the Same: The Influence of Personal Cultural Orientations on Vulnerable Consumers’ Financial Well-Being
研究个人文化取向（个人主义与集体主义）如何通过长期导向、不确定性规避等影响消费者的财务脆弱感，进而影响其财务行为和福祉，对政策制定者和营销者有帮助。
Addressing vulnerability worldwide is the goal of many organizations (e.g., nongovernmental organizations, nonprofit service providers, policy makers) and scholars, yet vulnerable consumers sometimes reject help that could ameliorate their vulnerability, especially when offered services that conflict with their personal cultural orientations. This article utilizes secondary data collected in the United States and primary data collected in the United States and China to explore how two personal cultural orientations—idiocentrism (i.e., individualism at the individual level) and allocentrism (i.e., collectivism at the individual level)—influence one's perceived financial vulnerability and behavior. The results demonstrate that idiocentrism (vs. allocentrism) decreases (vs. increases) perceived financial vulnerability through other personal cultural orientations (i.e., long-term orientation, uncertainty avoidance, and masculinity). Finally, perceived financial vulnerability leads to consumers engaging in financial behaviors that negatively affect financial well-being. The results contribute to the literature by deepening understanding of the formulation mechanism and consequences of perceived financial vulnerability from the perspective of personal cultural orientations. In addition, the results indicate that personal cultural orientations can be changed by idiocentrism/allocentrism and thus can be treated as endogenous variables in international marketing research.