Abstract
Introduction. Currently, suggestion is employed as a means of manipulation, influence, and directing human activity toward specific goals. Financial suggestion is characterized by high susceptibility of individuals to manipulative influences when making financial decisions. The relevance of this research is driven by the necessity to understand the mechanisms of financial suggestion and develop effective strategies to counter fraudulent influences. The objective of this work is to demonstrate the psychophysiological aspects of susceptibility to suggestion, including the role of the prefrontal cortex, limbic system, and strategies of information perception and analysis in the process of financial decision-making.
Theoretical justification. Susceptibility to suggestion is examined from the perspective of P.K. Anokhin's theory of functional systems, the concept of dual-stream information processing in the brain, and the specifics of cortical-subcortical interactions. This work identifies key factors that may increase susceptibility to financial suggestion and proposes algorithms aimed at countering manipulations, particularly those employed by telephone fraudsters. These algorithms ensure the formation of a "cognitive buffer" — a process of activating critical thinking and conscious choice. An individual's awareness of their strengths and weaknesses and associated behavioral patterns allows for the selection of the most effective strategies for each step of the anti-fraud algorithm, thereby enhancing the level of protection.
Discussion. The study presents an interdisciplinary approach to the problem of financial suggestion, based on the synthesis of psychophysiological and social-psychological data. The algorithms proposed in this work can be effectively utilized to enhance financial literacy among the population and prevent financial fraud, which represents an important direction for contemporary social and economic development.
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