INCREASING SAVING BEHAVIOR THROUGH AGE-PROGRESSED RENDERINGS OF THE FUTURE SELF.
INCREASING SAVING BEHAVIOR THROUGH AGE-PROGRESSED RENDERINGS OF THE FUTURE SELF.
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DOI：
10.1509/jmkr.48.spl.s23
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发表时间：
2011-11
期刊：
影响因子：
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通讯作者：
Bailenson JN
中科院分区：
文献类型：
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作者：
Hershfield HE;Goldstein DG;Sharpe WF;Fox J;Yeykelis L;Carstensen LL;Bailenson JN
许多人没有为退休储蓄所需的钱（Munnell, Webb, and Golub-Sass, 2009）。对未来过度贴现的研究表明，通过预先承诺决策来消除即时奖励的诱惑，或者详细说明未来奖励的价值，都可以使决策更加面向未来。在这篇文章中，我们探索了第三种互补的途径，它不涉及现在和未来的奖励，而是涉及现在和未来的自我。一些思想家认为，由于缺乏信念或想象力，人们可能无法识别未来的自己。我们认为，允许人们与年龄增长的自我形象互动，将使他们为未来分配更多的资源。在四项研究中，参与者使用沉浸式虚拟现实硬件和交互式决策辅助工具与他们未来自我的逼真计算机渲染进行互动。在所有情况下，那些与虚拟未来自我互动的人都更倾向于接受未来的金钱奖励，而不是眼前的奖励。
Many people fail to save what they need to for retirement (Munnell, Webb, and Golub-Sass 2009). Research on excessive discounting of the future suggests that removing the lure of immediate rewards by pre-committing to decisions, or elaborating the value of future rewards can both make decisions more future-oriented. In this article, we explore a third and complementary route, one that deals not with present and future rewards, but with present and future selves. In line with thinkers who have suggested that people may fail, through a lack of belief or imagination, to identify with their future selves, we propose that allowing people to interact with age-progressed renderings of themselves will cause them to allocate more resources toward the future. In four studies, participants interacted with realistic computer renderings of their future selves using immersive virtual reality hardware and interactive decision aids. In all cases, those who interacted with virtual future selves exhibited an increased tendency to accept later monetary rewards over immediate ones.