Intermittent theta burst stimulation of the right dorsolateral prefrontal cortex accelerates visuomotor adaptation with delayed feedback

Unlocking the neural mechanisms of consumer loan evaluations: an fNIRS and ML-based consumer neuroscience study

Introduction

This study conducts a comprehensive exploration of the neurocognitive processes underlying consumer credit decision-making using cutting-edge techniques from neuroscience and machine learning (ML). Employing functional Near-Infrared Spectroscopy (fNIRS), the research examines the hemodynamic responses of participants while evaluating diverse credit offers.

Methods

The experimental phase of this study investigates the hemodynamic responses collected from 39 healthy participants with respect to different loan offers. This study integrates fNIRS data with advanced ML algorithms, specifically Extreme Gradient Boosting, CatBoost, Extra Tree Classifier, and Light Gradient Boosted Machine, to predict participants' credit decisions based on prefrontal cortex (PFC) activation patterns.

Results

Findings reveal distinctive PFC regions correlating with credit behaviors, including the dorsolateral prefrontal cortex (dlPFC) associated with strategic decision-making, the orbitofrontal cortex (OFC) linked to emotional valuations, and the ventromedial prefrontal cortex (vmPFC) reflecting brand integration and reward processing. Notably, the right dorsomedial prefrontal cortex (dmPFC) and the right vmPFC contribute to positive credit preferences.

Discussion

This interdisciplinary approach bridges neuroscience, machine learning and finance, offering unprecedented insights into the neural mechanisms guiding financial choices regarding different loan offers. The study's predictive model holds promise for refining financial services and illuminating human financial behavior within the burgeoning field of neurofinance. The work exemplifies the potential of interdisciplinary research to enhance our understanding of human financial decision-making.

Reduced feedback barely slows down proprioceptive recalibration

Introducing altered visual feedback of the hand produces quick adaptation of reaching movements. Our lab has shown that the associated shifts in estimates of the felt position of the hand saturate within a few training trials. The current study investigates whether the rapid changes in felt hand position that occur during classic visuomotor adaptation are diminished or slowed when training feedback is reduced. We reduced feedback by either providing visual feedback only at the end of the reach (terminal feedback) or constraining hand movements to reduce motor adaptation-related error signals such as sensory prediction errors and task errors (exposure). We measured changes as participants completed reaches with a 30° rotation, a -30° rotation, and clamped visual feedback, with these two "impoverished" training conditions, along with classic visuomotor adaptation training, while continuously estimating their felt hand position. Training with terminal feedback slightly reduced the initial rate of change in overall adaptation. However, the rate of change in hand localization, as well as the asymptote of hand localization shifts in both the terminal feedback group and the exposure training group was not noticeably different from those in the classic training group. Taken together, shifts in felt hand position are rapid and robust responses to sensory mismatches and are at best slightly modulated when feedback is reduced. This suggests that given the speed and invariance to the quality of feedback of proprioceptive recalibration, it could immediately contribute to all kinds of reach adaptation.NEW & NOTEWORTHY Reaching to targets with altered visual feedback about hand position leads to adaptation of movements as well as shifts in estimates of felt hand position. Felt hand position can shift in as little as one trial, and here we show that there is no noticeable reduction in speed when the feedback about movements is impoverished, indicating the robustness of the process of recalibrating felt hand position.

Using EEG to study sensorimotor adaptation

Sensorimotor adaptation, or the capacity to flexibly adapt movements to changes in the body or the environment, is crucial to our ability to move efficiently in a dynamic world. The field of sensorimotor adaptation is replete with rigorous behavioural and computational methods, which support strong conceptual frameworks. An increasing number of studies have combined these methods with electroencephalography (EEG) to unveil insights into the neural mechanisms of adaptation. We review these studies: discussing EEG markers of adaptation in the frequency and the temporal domain, EEG predictors for successful adaptation and how EEG can be used to unmask latent processes resulting from adaptation, such as the modulation of spatial attention. With its high temporal resolution, EEG can be further exploited to deepen our understanding of sensorimotor adaptation.