Monopoly money: the effect of payment coupling and form on spending behavior.
Monopoly money: the effect of payment coupling and form on spending behavior.
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DOI：
10.1037/1076-898x.14.3.213
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发表时间：
2008-09
期刊：
影响因子：
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通讯作者：
Priya Raghubir;Joydeep Srivastava
中科院分区：
文献类型：
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作者：
Priya Raghubir;Joydeep Srivastava
本文考察了两种模式在支付耦合（购买决策与实际支付之间的关联）和物理形式方面的差异以及两种模式仅在形式方面的差异时，消费者支出作为支付模式的函数。研究1表明，当信用卡标志出现时，消费者愿意花更多的钱。研究2表明，当人们使用分解策略（与整体策略相比）来估计他们的支出时，信用卡的影响可以减弱。注意到信用卡和现金支付在支付耦合和形式方面的不同，研究3和4检查了支付模式仅在物理形式上不同时的消费者支出。研究3表明，消费者在使用代币（一种储值凭证）时比使用相同面值的现金时花费更多。研究4表明，不同支付模式（现金和礼券）之间的差异，通过对现金和礼券之间差异的语境操纵，改变了花钱的显著性，从而减弱了这种差异。
This article examines consumer spending as a function of payment mode both when the modes differ in terms of payment coupling (association between purchase decision and actual parting of money) and physical form as well as when the modes differ only in terms of form. Study 1 demonstrates that consumers are willing to spend more when a credit card logo is present versus absent. Study 2 shows that the credit card effect can be attenuated when people estimate their expenses using a decomposition strategy (vs. a holistic one). Noting that credit card and cash payments differ in terms of payment coupling and form, Studies 3 and 4 examine consumer spending when the payment mode differs only in physical form. Study 3 demonstrates that consumers spend more when they are spending scrip (a form of stored value certificate) versus cash of the same face value. Study 4 shows that the difference in spending across payment modes (cash and gift certificates) is attenuated by altering the salience of parting with money through contextual manipulations of the differences between cash and gift certificates.