201 Housing Research Center (House B)
407 Sanford Dr
Athens, GA 30602
College students' financial literacy, online consumer behaviors, consumer information, consumer policy
HACE 3110: Money Skills for Life
HACE 7020: Research Development I
HACE 7025: Research Development II
Graduate courses in online consumer behavior and financial literacy
Director, UGA Center on Economic Education, funded consumer representative to the National Association of Insurance Commissioners; Peer Financial Counseling Program
Dr. Cude's research interests focus on how consumers acquire and use information before making buying decisions. The most recent application of that interest has been research related to college students' financial literacy. She also is interested in the quality and quantity of information online. Much of her research is now conducted online. Her expertise in online transactions is also useful as she represents the consumer perspective in policy discussions at national meetings of insurance regulators. Dr. Cude primarily teaches upper division and graduate courses.
Member, Direct Selling Education Foundation Board of Directors, 2011-2013.
Member, Life Settlements Advisory Board, 2012-2013.
Member, Board of Directors, Insurance Marketplace Standards Association, 2006-2011.
Director, University of Georgia Center for Economic Education.
Director of Research, University of Georgia Housing and Demographics Research Center.
The Journal of Consumer Affairs Associate Editor 2006-present
Member, Journal of Consumer Affairs Editorial Board, 1998-present.
Member, Journal of Consumer Education Editorial Board since 2005.
|1977||Ph.D.||Consumer Economics||Purdue University
|1975||M.S.||Consumer Economics||University of Tennessee at Martin
|1974||B.S.||Home Economics Education||University of Tennessee at Martin
Cai, Y., & Cude, B. (in press). Consumers’ adoption of online shopping. In Z. Yan (Ed.), Encyclopedia of Cyber Behavior. Hershey, PA: IGI Global.
Cude, B., & Kabaci, M. J. (2012). Financial education for college students. In D. Lambdin (Ed.), Financial Decisions Across the Lifespan: Problems, Programs, and Prospects (pp. 49-66). New York: Springer Science.
*Kunovskaya, I., & Cude, B. J. (In press). Money managing practices in transition economies: How findings from financial literacy surveys may inform home economics educators. International Journal of Home Economics.
*Lee, S., & Cude, B. J. (2012).Consumer complaint channel choice in online and offline purchases. International Journal of Consumer Studies, 356(1), 90-96.
*Goetz, J., Cude, B. J., Nielsen, R. B., Chatterjee, S., & Mimura, Y. (2011). College-based personal finance education: Student interest in three delivery methods. Journal of Financial Counseling and Planning, 22(1), 27-42.
*Cai, Y., & Cude, B. (2011). Reference prices and consumers’ feeling of regret: An investigation of consumers’ use of an online price-bidding method. International Journal of Consumer Studies, 35(4), 441-447.
*Nicolini, G., & Chatterjee, S., & Cude, B. J. (2012). Financial literacy in the United States and abroad: A comparative study. [Abstract]. In Consumer Interests Annual.
*Cude, B. J. (2012). College seniors’ financial capability: Knowledge, experience, and confidence in managing money and credit. [Abstract]. In Consumer Interests Annual.
*Miller, J., Mauldin, T., Cude, B., & Sabia, J. (2011). A new look at consumers’and clinicians’ options in smoking cessation: Smokeless tobacco, nicotine replacement therapy, Zyban, Chantix, and other interventions. [Poster]. In Consumer Interests Annual available at http://www.consumerinterests.org/CIA/2011/2011_MillerMauldinCudeSabia.pdf.
*Kunovskaya, I., & Cude, B. J. (2011). Financial awareness and consumer rights: An overview of assessments and policy implications, lessons from transitional economies. [Abstract]. American Council on Consumer Interests Annual Conference. In Consumer Interests Annual available at http://www.consumerinterests.org/CIA/2011/2011_KunovskayaCude.pdf.
*Cude, B. J. (2011). Creating useful information for health insurance consumers. [Abstract]. American Council on Consumer Interests Annual Conference. In Consumer Interests Annual available at http://www.consumerinterests.org/CIA/2011/2011_Cude.pdf.
*Cude, B. J. (2011). Health insurance disclosures for consumers: Research contributions to public policy. [Abstract]. In E. Howlett, J., Kozup, & J. Kees (eds.), 2011 Marketing and Public Policy Conference Proceedings (pp. 173-174).
Recent Grants Received
Goetz, J., Chatterjee, S., & Cude, B. J. An examination of differences in the investment advisory process. AARP Andrus Foundation, 1/12-12/12, $55,000.
Cude, B. J. The impact of debt on college graduates’ well-being. University of Georgia Agricultural Experiment Station, 1/1/09-6/30/11.
Recent Graduate Student Thesis/Dissertation Titles (Dr. Cude Chaired)
How Internet users differ in on-line activities; The influence of their characteristics on what they do on-line. (M.S.)
Consumer choice and midwifery: A qualitative analysis. (Ph.D.)
The effect of reference prices on consumer willingness-to-pay: An investigation of the name-your-own-price strategy. (Ph.D.)
Consumer features, wants, and best practices of state insurance department websites. (Ph.D.)
Motivating health savings account funding. (Ph.D.)
Financial literacy, financial behavior and the need for financial education in a country transitioning to a market economy – The case of Russia. (Ph.D.)
Coming to consensus: A Delphi study to identify the personal finance core concepts and competencies for undergraduate college students, undergraduate student education loan recipients and first-generation undergraduate students. (Ph.D.)