消费观:数字支付对消费者购买行为和冲动购买的心理影响
1Sino British College, University of Shanghai for Science and Technology, Shanghai 200093, China.
Behavioral sciences (Basel, Switzerland)
|March 28, 2025
概括
数字支付创造了"Spendception",减少了消费阻力和增加购买,冲动购买是关键的调解者. 这种心理效应在女性消费者中更为强烈.
科学领域:
- 消费者心理学 消费者心理学
- 行为经济学是一种行为经济学.
- 数字支付系统 数字支付系统
背景情况:
- 与现金相比,数字支付系统减少了与支出相关的心理摩擦.
- 这种现象被称为Spendception,它减少了交易的可见性,并增加了人们对支付的感知方便性.
研究的目的:
- 介绍和定义Spendception的结构.
- 调查Spendception在增加消费者购买行为中的作用.
- 检查冲动购买作为消费感知-购买行为关系中的调解者.
主要方法:
- 对1162名受访者进行了一项调查.
- 探索性和确认性因子分析 (EFA和CFA) 用于构造验证.
- 结构方程建模 (SEM) 和机器学习测试了拟议的模型及其稳定性.
主要成果:
- 消费感知显著增加了消费者的购买行为.
- 冲动购买部分调解了消费观和购买行为之间的关系.
- 性别调节了这种影响,女性对冲动购买的敏感性更高,这是由Spendception驱动的.
结论:
- 数字支付降低了消费的心理障碍,导致购买量增加.
- 支出感知解释了交易可见性和实体性的减少如何驱动冲动购买.
- 调查结果为营销人员和决策者提供了关于数字支付心理学和金融素养的见解.
关键词:
在CFA中,CFA就是CFA.欧洲粮食管理局 EFA这就是SEM SEM.消费感知 消费感知消费者购买行为数字支付是数字支付,数字支付是数字支付.两性适度使用冲动购买是一种冲动购买.调解 调解 是一种调解方式.更多相关视频
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