A influência dos fatores psicológicos nas decisões financeiras: análise comportamental entre consumismo e bem-estar

Abstract

Understanding contemporary economic decision-making requires acknowledging the direct influence of emotional states, as empirical observation of consumption reveals flaws in the absolute rationality of the economic agent. Given this scenario, the study investigates how psychological factors, particularly anxiety and depression, combined with the digital media environment, shape financial choices and affect subjective well-being. The theoretical framework incorporates Behavioral Economics principles, articulating them with an analysis of national empirical studies relating impulsivity and consumer behavior. Results indicate that automatic and intuitive cognitive processing dominates purchasing choices, making individuals susceptible to biases such as loss aversion, anchoring, and the overvaluation of immediate rewards. Impulsivity acts as a central vector of financial imbalance, while intensive use of digital platforms further amplifies this behavior. Additionally, social networks function as amplifiers of pre-existing vulnerabilities by exploiting upward social comparison and the Fear of Missing Out (FOMO) phenomenon, which consolidates compensatory consumption patterns. The study concludes that the effectiveness of interventions against financial lack of control depends on overcoming the traditional model of budget education, requiring the adoption of public policies that