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This paper explores the cognitive dynamics underlying consumer spending behavior in the context of different payment methods. By comparing physical cash with third-party digital payments such as Apple Pay and Google Pay, the study investigates how psychological constructs, such as possession, distance, and risk propensity, influence purchasing behaviors. Through an experimental game-based approach, the study measures risk-taking tendencies and perception differences between digital and physical money users. Findings reveal that digital transactions increase spending risk and reduce financial awareness, highlighting the implications for financial literacy and consumer decision-making.

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Impact of Payment Methods on Consumer Behavior: A Cognitive Perspective for Interaction Design

  • 会议论文

  • 发表日期：

    2026年

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  • Margarida Fresco,
  • Laura Silva,
  • Marta Costa,
  • Francisco Rebelo,
  • Elisângela Vilar,
  • Paulo Noriega

摘要

This paper explores the cognitive dynamics underlying consumer spending behavior in the context of different payment methods. By comparing physical cash with third-party digital payments such as Apple Pay and Google Pay, the study investigates how psychological constructs, such as possession, distance, and risk propensity, influence purchasing behaviors. Through an experimental game-based approach, the study measures risk-taking tendencies and perception differences between digital and physical money users. Findings reveal that digital transactions increase spending risk and reduce financial awareness, highlighting the implications for financial literacy and consumer decision-making.