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The Significance of Financial Competence and Risk Tolerance in Home-Related Expenditure by Jurisdiction and Regime

Abstract Understanding observed geographical patterns in financial behaviour requires an analytical approach that joins global forces with national institutions and behavioural practices to account for similarities and differences in key explanatory variables. Patterns of home-related expenditures are regressed against individuals’ attributes including age, gender, income, and employment status along with measures of individual’s financial acumen. It is shown that there are differences in the statistical significance of individual attributes and financial factors (competence and risk tolerance) by jurisdiction, and between groups of jurisdictions distinguishing between Anglo-American and European countries. Implications are drawn for research at intersection of global finance, jurisdictional context and individual decision-making.