FINANCIAL DECISION-MAKING AS A MANIFESTATION OF THE PSYCHOLOGY OF PERSONAL ECONOMIC BEHAVIOR

Archimandritova Juliana Andreevna

This article attempts to theoretically model financial decision-making as a manifestation of the psychology of individual economic behavior based on a generalization of the achievements of modern domestic and foreign scientific literature devoted to the study of this issue from the standpoint of economic psychology and behavioral economics. The article presents key approaches to financial decision-making, analyzes the internal and external determinants of such decisions, describes personality profiles and systematizes types of financial behavior, and identifies key factors influencing financial decision-making in the context of modern social change. The key results of the article are the developed model of financial decision–making "Subject–motivation–alternatives–cognition–choice-consequence" and the visualized classification of factors influencing such decisions.

Keywords:personality psychology, economic behavior, financial behavior, financial decisions, decision-making