论文标题
付款方式的影响：消费者是否通过移动付款支付更多？
The Influence of Payment Method: Do Consumers Pay More with Mobile Payment?
论文作者
论文摘要
引入新的付款方式导致了我们食用商品和服务方式的最重大变化之一。在本文中，我介绍了一个领域的结果和实验室实验，旨在确定支付方法的影响（现金与移动支付）对支出的影响，以及对先前有关付款方法效应的先前文献进行的荟萃分析。在现场实验中，我从中国超市收集了收银台。与现金支付相比，移动付款大大增加了购买的金额和每项商品的平均金额。发现这种效果对于高价弹性商品特别大。在实验室实验中，将参与者随机分配到四个组之一，这些群体因支付的种类和激励措施而异，从而消除了现场实验中潜在的内生性问题。我发现，与现金相比，移动付款导致付款意愿（WTP）的意愿明显更高。与其他人相反，我发现支付的痛苦不会减轻付款方式效果。但是，发现其他心理因素是影响WTP的潜在机制。
The introduction of new payment methods has resulted in one of the most significant changes in the way we consume goods and services. In this paper, I present results of a field and a laboratory experiment designed to determine the effect of payment method (cash vs. mobile payment) on spending, and a meta-analysis of previous literature about payment method effect. In the field experiment, I collected cashier receipts from Chinese supermarkets. Compared to cash payment, mobile payments significantly increased the amount purchased and the average amount spent on each item. This effect was found to be particularly large for high price elasticity goods. In the laboratory experiment, participants were randomly assigned to one of four groups that varied with respect to the kind of payment and the kind of incentives, eliminating the potential endogeneity problem from the field experiment. I found that compared to cash, mobile payments lead to a significantly higher willingness to pay (WTP) for consumption. In contrast to others, I found that pain of paying does not moderate the payment method effect; however, other psychological factors were found to work as potential mechanisms for affecting WTP.
