Using data from the 2016 Survey of Consumer Finances, this study investigates factors that affect electronic banking adoption rates. Financial knowledge, income, education, and credit card ownership are associated with a high probability of electronic banking adoption. However, age is negatively associated with the probability of online banking…

How to measure growth in knowledge and ability over time in curriculum research is explored. Two broad classes of probabilistic models are considered, the Rasch model and latent class models with their associated generalizations. Potential of both classes for measuring categorical change is discussed. (SLD)

Recent developments in cognitive psychology suggest models for knowledge and learning that often fall outside the realm of standard test theory. This paper concerns probability-based inference in terms of such models. The essential idea is to define a space of "student models"--simplified characterizations of students' knowledge, skill,…

A theoretical model is proposed for confidence in knowledge based on the assumption that people are good judges of the reliability of their knowledge, provided that the knowledge is representatively sampled from a specified reference class as defined by E. Brunswik (1943). Experiments with 177 college students support the theory. (SLD)

Educational assessment concerns inference about students' knowledge, skills, and accomplishments. Because data are never so comprehensive and unequivocal as to ensure certitude, test theory evolved in part to address questions of weight, coverage, and import of data. The resulting concepts and techniques can be viewed as applications of more…

Educational assessment concerns inference about student knowledge, skills, and accomplishments. Test theory has evolved in part to address questions of weight, coverage, and import of data. Resulting concepts and techniques can be viewed as applications of more general principles for inference in the presence of uncertainty. (SLD)

Pedagogical patterns have been around since 1995, but several authors claim their impact is limited. However, these claims are based on authors' own observations and not on methodical evaluations of the use and dissemination of pedagogical patterns. This claim is in contrast to the vision of the creators of pedagogical patterns--they think…

This article gives a comprehensive description of a theory for efficient assessment of knowledge. The essential concept is that the knowledge state of a subject, with regard to a specified field of information, can be represented by a particular subset of problems that the subject is capable of solving. (SLD)