相关论文: Preferences and Attitudes towards Debt Collection:…

The present study investigates the psychological and behavioral implications of integrating AI into debt collection practices using data from eleven European countries. Drawing on a large-scale experimental design (n = 3514) comparing human…

This paper examines how Polish consumers are adapting to online insurance purchasing channels and what factors influence their preferences. Drawing on a structured survey of 100 respondents with varied demographic profiles, the study…

Digital payment systems have become a cornerstone of consumer finance in Africa. Prominent payment categories include money transfer applications, mobile money, cryptocurrencies, stablecoins, and central bank digital currencies (CBDCs).…

The landscape of payment methods in retail is a complex and evolving area. Vendors are motivated to conduct an appropriate analysis to decide what payment methods to accept out of a vast range of options. Many factors are included in this…

Managing finances is crucial for older adults who are retired and may rely on savings to ensure their life quality. As digital banking platforms (e.g., mobile apps, electronic payment) gradually replace physical ones, it is critical to…

We replicate Meissner (2016), where debt aversion was reported for the first time in an intertemporal consumption and saving problem. While Meissner (2016) uses a German sample, our participants are US undergraduate students. All of the…

We report from a study performed in ten European countries, where we asked about attitudes and behaviour towards data sharing behaviour. We looked into the differences between members of age groups. We find that there are more similarities…

Consumer spending accounts for a large fraction of the US economic activity. Increasingly, consumer activity is moving to the web, where digital traces of shopping and purchases provide valuable data about consumer behavior. We analyze…

This paper investigates the digital security experiences of four at-risk user groups in Germany, including older adults (70+), teenagers (14-17), people with migration backgrounds, and people with low formal education. Using…

Considering that prior research has found older users undergo a different privacy decision-making process compared to younger adults, more research is needed to inform the behavioral privacy disclosure effects of these strategies for…

The recent proliferation of Electronic Commerce (E-commerce) has been further escalated by multifaceted emerging payment solutions such as cryptocurrencies, mobile, peer-to-peer (P2P) and social media payment platforms. While these…

The introduction of new payment methods has resulted in one of the most significant changes in the way we consume goods and services. In this paper, I present results of a field and a laboratory experiment designed to determine the effect…

Many households in developing countries lack formal financial histories, making it difficult for firms to extend credit, and for potential borrowers to receive it. However, many of these households have mobile phones, which generate rich…

Based on debt collection agency (PAIR Finance) data, we developed a novel debtor typology framework by expanding previous approaches to 4 behavioral dimensions. The 4 dimensions we identified were willingness to pay, ability to pay,…

E-payments are essential for transactional convenience in today's digital economy and are becoming increasingly important for older adults, emphasizing the need for enhanced security, privacy, and usability. To address this, we conducted a…

In the last decade, the digital age has sharply redefined the way we study human behavior. With the advancement of data storage and sensing technologies, electronic records now encompass a diverse spectrum of human activity, ranging from…

Biometric payment, i.e., biometric authentication implemented in digital payment systems, can reduce memory demands and streamline payment for older adults. However, older adults' perceptions and practices regarding biometric payment remain…

This literature review elucidates the implications of behavioral biases, particularly those stemming from overconfidence and framing, on the intertemporal choices made by students on their underline demand preferences for student loans. A…

We find it is common for consumers who are not in financial distress to make credit card payments at or close to the minimum. This pattern is difficult to reconcile with economic factors but can be explained by minimum payment information…

The rapid growth of digital shopping channels has prompted many traditional retailers to invest in e-commerce websites and mobile apps. While prior literature shows that multichannel customers are more valuable, it overlooks how the motive…