Jing Jian Xiao

  • Professor
  • Human Development and Family Science
  • Phone: 401.874.2547
  • Email: jjxiao@uri.edu
  • Office Location: Transition Center, Rm 202

PLEASE NOTE: Dr. Jing Jian Xiao will be accepting new doctoral graduate students for the 2023-2024 academic year.


Dr. Jing Jian Xiao is Professor in the Department of Human Development and Family Science at University of Rhode Island, teaching courses and conducting research in consumer economics and personal finance. He also serves as the Editor-in-Chief of Journal of Financial Counseling and Planning, associate editor for International Journal of Bank Marketing and International Journal of Consumer Studies, and editorial board members for several other journals in consumer finance. His research interests focus on how to help consumers increase financial literacy, perform desirable financial behaviors, and enhance financial capability to improve their financial and overall wellbeing. He has published many research papers in professional journals in consumer economics and related fields. He also published books such as The Mathematics of Personal Finance, Consumer Economic Wellbeing, and Handbook of Consumer Finance Research. He is also editing a book series entitled International Series on Consumer Science. He served as the president of American Council on Consumer Interests (ACCI), president of Asian Consumer and Family Economics Association (ACFEA), among others. He served as consultant and guest speaker for several financial literacy projects sponsored by the U.S. Department of Treasury and National Endowment for Financial Education (NEFE). He presented his research on consumer finance in many countries/areas of Asia, Europe, and North America. In 2005-07, he was the inaugural TCA endowed chair professor and director of the TCA Institute of Consumer Financial Education Research at University of Arizona. He worked with faculty and graduate students from other universities in many countries such as China, India, Japan, Malaysia, Poland, USA, among others.


Financial capability: to seek social justice, research on how consumers of all ages develop financial capability to achieve their financial and general wellbeing.


  • Ph.D., Consumer Economics, Oregon State University
  • M.S., Economics, Zhongnan University of Economics and Law
  • B.S., Economics, Zhongnan University of Economics and Law

Selected Publications

Books (Selected)

Xiao, J. J. (2015). Consumer economic wellbeing. New York: Springer.

Xiao, J. J. (editor) (2016). Handbook of consumer finance research (2nd ed.). New York: Springer.

Xiao, J. J., & Kumar, S. (eds.) (2023). A research agenda on consumer financial behavior. Edward Elgar.

Journal Papers (Selected)

Google Scholar

Download Curriculum Vitae (PDF)