Attentional and Behavioral Disengagement as Coping Responses to Technostress and Financial Stress: An Experiment Based on Psychophysiological, Perceptual, and Behavioral Data
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Bibliographic record
Abstract
Discontinuance of information systems (IS) is a common phenomenon. It is thus critical to understand the decision process and psychophysiological mechanisms that underlie the intention and corresponding behaviors to discontinue IS use, particularly within the digital financial technology usage context, where continuance rates remain low despite increased adoption. Discontinuance has been identified as one coping behavior to avoid stressful situations. However, research has not yet explored this phenomenon toward digital financial technologies. This manuscript builds upon a pilot study that investigated the combined influence of technostress and financial stress on users’ responses toward digital financial decision-making tasks and aims to disentangle the specific impacts of unexpected technology behaviors and perceived financial loss on attentional and behavioral disengagement as coping responses, which may lead to discontinuance from digital financial technology usage. A two-factor within-subject design was developed, where perceived techno-unreliability as variable system response time delays under time pressure and perceived financial loss as negative financial outcomes were manipulated in a 3 × 2 design. Psychophysiological, perceptual, and behavioral data were collected from N = 15 participants while performing an adapted version of the Iowa Gambling Task. The results indicate that unexpected technology behaviors have a far greater impact than perceived financial loss on (1) physiological arousal and emotional valence, demonstrated by decreased skin conductance levels and curvilinear emotional valence responses, (2) feedback processing and decision-making, corroborated by curvilinear negative heart rate (BPM) and positive heart rate variability (HRV) responses, decreased skin conductance level (SCL), increased perceptions of system unresponsiveness and techno-unreliability, and mental workload, (3) attentional disengagement supported by curvilinear HRV and decreased SCL, and (4) behavioral disengagement as coping response, represented by curvilinear decision time and increasingly poor financial decision quality. Overall, these results suggest a feedforward and feedback loop of cognitive and affective mechanisms toward attentional and behavioral disengagement, which may lead to a decision of disengagement-discontinuance as a coping outcome in stressful human-computer interaction situations.
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Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.000 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.001 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it