智能手机的使用增加了做出短视财务决策的可能性

IF 2.8 3区 心理学 Q1 PSYCHOLOGY, MULTIDISCIPLINARY
Tianran Wang, Wei-Fen Chen, Xue Wang, Xiucheng Fan
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引用次数: 0

摘要

在个人金融数字化(如手机银行)的背景下,本研究探讨了在智能手机(与笔记本电脑或平板电脑相比)上做出的财务决策如何更有可能短视,表现为不愿意为退休储蓄,在做出财务决策时参考最新信息,以及选择即时但较小的奖励。我们将这种影响追溯到智能手机的普遍性,这一特性允许用户以相当大的时间和空间灵活性来满足各种需求,并促使用户寻求即时满足。我们还排除了可能导致这种影响的潜在替代因素,包括触觉满足感、直接触摸效应、任务难度、思维风格、注意力和用户对设备的享乐使用。此外,我们还证明,促使用户仔细考虑自己的决定可以成功地减弱这种影响。讨论了对制定干预措施的影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Smartphone use increases the likelihood of making short-sighted financial decisions
Contextualizing in the digitalization of personal finance (e.g., mobile banking), the present research explores how financial decisions made on smartphones (vs. laptops or tablets) are more likely to be shortsighted, manifesting in being unwilling to save for retirement, referring to recent information while making financial decisions, and opting for instant but smaller rewards. We trace the effect to smartphones’ affordance of ubiquity, an attribute that allows users to satisfy various needs with considerable flexibility of time and space and prompts users to seek instant gratifications. We also rule out potential alternative factors that might account for this effect, including haptic gratification, direct-touch effect, task difficulty, thinking style, concentration, and the hedonic usage of the devices by users. Furthermore, we demonstrate that prompting users to deliberate on their decisions successfully attenuates the effect. Implications for the development of interventions are discussed.
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来源期刊
Journal of Pacific Rim Psychology
Journal of Pacific Rim Psychology PSYCHOLOGY, MULTIDISCIPLINARY-
CiteScore
4.00
自引率
0.00%
发文量
12
审稿时长
20 weeks
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