Proxy Accounts and Behavioural Nudges: Investigating Support for Older Adults and their Financial Delegates
Bibliographic record
Abstract
Older adults sometimes delegate banking tasks to trusted close others (family or friends). Increasingly those tasks are completed online, with older adults sharing passwords or account ownership to give delegates account access, which introduces privacy, security and financial misconduct risks. We propose that proxy accounts can support financial delegation while preserving older adults’ agency and that behavioral nudges can help delegates maintain financial propriety while performing banking tasks. We developed a high-fidelity proxy account prototype that uses behavioural nudges, and present findings from a think-aloud interaction study (n=21). We present results from the first empirical study of proxy accounts in the delegated banking context. Our results show: 1) positive responses to the fiduciary controls provided by proxy accounts, 2) that some nudges may have the potential to encourage propriety, and 3) that both mechanisms improve the delegate’s experience of banking on behalf of an older adult, while legitimizing their role as delegate.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.004 | 0.022 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.000 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.000 | 0.002 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.002 | 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 itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".