Vulnerable Consumer Groups Research Articles

A Multifactorial Risk Prioritization Framework for Foodborne Pathogens

We develop a prioritization framework for foodborne risks that considers public health impact as well as three other factors (market impact, consumer risk acceptance and perception, and social sensitivity). Canadian case studies are presented for six pathogen-food combinations: Campylobacter spp. in chicken; Salmonella spp. in chicken and spinach; Escherichia coli O157 in spinach and beef; and Listeria monocytogenes in ready-to-eat meats. Public health impact is measured by disability-adjusted life years and the cost of illness. Market impact is quantified by the economic importance of the domestic market. Likert-type scales are used to capture consumer perception and acceptance of risk and social sensitivity to impacts on vulnerable consumer groups and industries. Risk ranking is facilitated through the development of a knowledge database presented in the format of info cards and the use of multicriteria decision analysis (MCDA) to aggregate the four factors. Three scenarios representing different stakeholders illustrate the use of MCDA to arrive at rankings of pathogen-food combinations that reflect different criteria weights. The framework provides a flexible instrument to support policymakers in complex risk prioritization decision making when different stakeholder groups are involved and when multiple pathogen-food combinations are compared.

Saving for Retirement—A Case for Financial Education in Germany and UK? An Economic Perspective

Demographic changes, tight public budgets, and reduced generosity of occupational pension plans shift the responsibility for an adequate retirement provision towards the individual. Applying the theoretical perspectives of Behavioural Finance and New Institutionalism to the domain of retirement provision offers insights into the difficulties individuals are facing in planning for retirement, carrying out, and revising plans. Lacking financial literacy seems to lie at the heart of the problem and points to a possible solution: providing financial education to consumers through non-governmental organizations and state-related agencies. This article is examining which role consumer education and consumer advice can play to enhance financial literacy with regard to pensions and old-age provision. As two case studies Germany and the UK are compared because the institutional set-up of the pension systems and the approaches towards consumer policy are very different. The case studies show that financial education with regard to old-age provision can be successful if it reaches consumers in their environment at life-stages where important decisions need to be made. To achieve that considerable efforts have to be taken in terms of funding and organizational set-up. However, evaluation is necessary to prove the effectiveness of the education especially for vulnerable consumer groups. If evaluation reveals that these groups cannot be targeted effectively or that consumers are not taking action subsequently to attending financial education, there might be a case for changing behaviour through the institutional set-up of pension schemes (i.e., through automatic enrolment) and using financial education as a supportive policy instrument.

Food deserts – an example of social exclusion?

The ‘food desert’ is a fairly recent phenomenon with emotive and political overtones. It has been described as an area of social deprivation where people do not have easy access to healthy and affordable food. Northern Ireland has undergone a retail revolution with the arrival of the UK mainland multiples, the spatial restructuring of the retailing industry to edge‐of‐town sites and the associated effects on town centre food stores. The research initiative has been considerable in Britain but deficient in Northern Ireland; hence the urgent need for this studyThis study investigated the food accessibility and ultimate potential existence of food deserts in both rural and urban areas of Northern Ireland using microstudies of four provincial towns. The research methodology was both intensive and extensive using perceptual and experiential evidence of principal shoppers from 1094 Northern Ireland households. The study allowed for the validation of results via a varied range of research tools, e.g. case studies, focus groups, interviews, observations and an extensive questionnaire.Results indicated that certain consumer cohorts (particularly the car‐less and lower income consumers) were excluded from equitable shopping provision. Evidence suggested that urban consumers might exist in somewhat self‐imposed food deserts, exacerbated by the fact that consumers on lower incomes shopped locally and more frequently than their higher income counterparts. Low‐income family units also exhibited lower levels of cooking skills, and therefore tended to purchase convenience foods from higher priced local retail outlets. Shopping basket analyses revealed the price disparities that existed within store types and between towns while consumer focus groups qualified the extent of consumer disadvantage experienced by vulnerable consumer groups. While no town or area was assigned the label ‘food desert’ areas of low provision could be identified with worrying signs that food access was ultimately disparate and inequitable. This situation is likely to worsen as the full effects of the retail revolution are realised. Recommendations suggest incremental changes to effect long‐term change and an interdisciplinary approach is foreseen as the optimal way to address the problem. Control of retail developments is seen as essential in town planning together with the control of retail monopolies in such areas.

Pharmaceutical cost containment and innovation in the United States

In the United States, government has played a limited role in containing the costs of pharmaceuticals. There are no price controls, no national drug formularies, no universal cost-sharing policies, and perhaps most important, no national coverage of prescription drugs. Rather, pharmaceutical cost containment was historically left to private insurers and managed care companies, while consumers paid out of pocket for close to 62% of all drug expenditures. US utilization has historically been relatively low and prices by far the highest of the four industrialized countries. The major change in pharmaceutical cost containment in the 1990s has been the consolidation of purchaser power at the level of the insurer and managed care companies. These ‘whole sale’ purchasers now represent 70% of direct manufacturer sales, and they are demanding and receiving deeper price discounts. Meanwhile these same players are implementing formulary policies, utilization controls, and disease management programs, the outcomes of which have not yet been systematically evaluated. Failure to pass on savings to consumers, cost shifting by manufacturers to vulnerable consumer groups, and potential under-utilization of cost-effective drugs remain of concern.