Sarah Ashcroft-Jones, PhD
Sarah Ashcroft-Jones, PhD

Associate Research Scientist

About Me

Sarah Ashcroft-Jones is a behavioral and cognitive decision scientist at the Columbia University Mailman School of Public Health, where she studies how people make financial and health decisions and how AI-mediated systems are reshaping that process. Her work spans judgment under uncertainty, metacognition, and cross-national behavioral variation. She directs the Junior Researcher Programme, a global research network for early-career scientists, and serves as Director of Sustainability and Strategy at FORRT. She likes to ask questions.

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Interests
  • Financial cognition
  • AI-mediated decision-making
  • Metacognition
  • Cross-national behavioral variation
  • Open science
Education
  • PhD in Experimental Psychology

    Oxford University

  • MSc in Psychological Research

    Oxford University

  • MA in Psychological and Behavioural Sciences

    Cambridge University

My Research

My research asks how people make decisions and applies this question to financial and health decisions. I am interested in how people use the information available to them, and how the environments they’re in, including increasingly AI-mediated ones, shape those choices over time.

This spans several connected threads: the cognitive mechanisms behind confidence and categorisation judgements, the persistence of financial cognitive biases across economic groups, how digital and AI-mediated systems influence real-world financial behaviour, and how these patterns vary across cultures and countries.

My current research examines how income and assets can shape financial wellbeing, including work showing that cognitive biases in financial decisions persist across economic groups. A related line looks at subjective financial strain, rather than poverty-line status alone, as a driver of financial decision-making and temporal discounting. I also study confidence in decision-making, building on my doctoral research on metacognitive confidence in categorisation judgements. At Columbia, I lead work on the role of AI as a behavioural intervention tool, co-developing and evaluating AI-assisted savings support and chatbot-based interventions with external partners. This applied lens extends to health decisions as well, including analyses of a flu vaccination text-message intervention and appointment no-show rates.

Alongside this, I direct the Junior Researcher Programme, coordinating large-scale multinational behavioural science studies across 20+ countries, and I’m an advocate for open science practices throughout my work.

Featured Publications
Recent Publications
(2026). 6: How to… develop and use Open Educational Resources.
(2026). Money buys mental health: A multidimensional analysis of social, financial, and emotional well-being in 92 countries.
(2025). Loss-and gain-framed messages alter climate emotions, but not behaviour across 26 countries. PsyArXiv.
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