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首页> 外文期刊>Computers in Human Behavior >Assisting mental accounting using smartphones: Increasing the salience of credit card transactions helps consumer reduce their spending
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Assisting mental accounting using smartphones: Increasing the salience of credit card transactions helps consumer reduce their spending

机译：协助使用智能手机的心理会计：增加信用卡交易的显着性，有助于消费者减少他们的支出

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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.
机译：信用卡相关的过度支出是消费者的重要问题。与现金和其他付款方式相比，零件中出现过度消费的零件。此外，周期的信用卡支出即使在内部内部水平上也表现出高方差，这使得难以直观地从先前的交易中学习并控制一个人的支出。由于移动介导的信息系统已被证明有效地提供行为改变干预措施，研究了使用新的智能手机应用程序的功效，这些应用程序增加了信用卡交易的显着性，以帮助消费者控制其无现金支付，最终花费更少。我们实施了一个目标设置功能，并提供了每周目标达到反馈，突出普通，卓越或两种类型的购买。这项工作是作为一个田间实验进行的，在几个月内研究野外的大量信用卡消费者样本，从而在不引人注目的干预措施中取得了显着减少。它还强调了家庭支出预算中包括特殊购买的重要性，并讨论了人们如何调整消费以降低其支出。

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