The neuronal dynamics of different types of incentives on risk-taking: comparing financial and social rewards using fMRI

Risk-taking behavior varies across different life domains, yet neuroimaging research has primarily focused on financial incentives, thus limiting our understanding of the neural basis for domain-specific risk-taking. This study investigates whether neural correlates of risk-taking differ between financial and social incentive domains using functional magnetic resonance imaging (fMRI). Thirty-nine participants completed an adapted Balloon Analogue Risk Task with financial (monetary rewards) and social (gifts for children) incentive conditions. Behavioral data show that participants demonstrate less risk-seeking behavior in the social compared to financial condition. Neuroimaging results revealed both domain-general and domain-specific components of risk processing. A conjunction analysis of both incentive conditions identified a common neural network across both incentive types, including bilateral striatum, dorsal anterior cingulate cortex, and left insular cortex, supporting theories of domain-general risk processing mechanisms. Contrasting both reward conditions revealed significantly stronger activation in the right inferior parietal lobule during financial compared to social risk-taking, thus indicating a neural substrate for domain-specific risk preferences. These data might bridge the gap between behavioral evidence for domain-specific risk-taking and neuroimaging research, highlighting the importance of considering the type of incentives when studying risk behavior and its neural correlates.