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Assisting mental accounting using smartphones: Increasing the salience of credit card transactions helps consumer reduce their spending
Computers in Human Behavior ( IF 8.957 ) Pub Date : 2020-12-01 , DOI: 10.1016/j.chb.2020.106504
Johannes Huebner , Elgar Fleisch , Alexander Ilic

Abstract Credit card-related over-spending represents an important issue for consumers. Over-spending arises in parts from reduced payment transparency compared to cash and other payment methods. Additionally, week-by-week credit card spending exhibits high variance even on an intrapersonal level, which makes it hard to intuitively learn from prior transactions and control one's spending. As mobile-mediated information systems have been proven effective in delivering behavior change interventions, this study investigates the efficacy of using a novel smartphone application that increases the salience of credit card transactions to help consumers control their cashless payments better and ultimately spend less. We implemented a goal-setting feature and provided weekly goal attainment feedback highlighting ordinary, exceptional, or both types of purchases. This work was conducted as a field experiment, studying a large sample of credit card consumers in the wild over several months, which yielded a significant reduction in spending with unobtrusive interventions. It further highlights the importance of including exceptional purchases in households' spending budgets and discusses how people adjusted their consumption to lower their expenditures.

中文翻译:

使用智能手机辅助心理核算:增加信用卡交易的显着性有助于消费者减少支出

摘要 信用卡相关的超支是消费者面临的一个重要问题。与现金和其他支付方式相比,过度支出的部分原因是支付透明度降低。此外,即使在个人层面上,每周的信用卡支出也表现出很大的差异,这使得很难直观地从先前的交易中学习并控制自己的支出。由于以移动为中介的信息系统已被证明在提供行为改变干预方面是有效的,因此本研究调查了使用一种新型智能手机应用程序的功效,该应用程序可以增加信用卡交易的显着性,以帮助消费者更好地控制他们的无现金支付并最终减少支出。我们实施了目标设定功能,并提供每周目标实现反馈,突出显示普通、特殊、或两种类型的购买。这项工作是作为实地实验进行的,在几个月内对野外的大量信用卡消费者样本进行了研究,通过不显眼的干预显着减少了支出。它进一步强调了将特殊购买纳入家庭支出预算的重要性,并讨论了人们如何调整消费以降低支出。
更新日期:2020-12-01
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