The influence of behavioural economic on spending patterns in digital payment systems empirical evidence from Germany
Fil: Alsaloom, Rifaat. Universidad Nacional del Litoral. Facultad de Ciencias Económicas; Argentina.
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| Lenguaje: | English |
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2025
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| Acceso en línea: | https://hdl.handle.net/11185/7901 |
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oai:bibliotecavirtual.unl.edu.ar-handle:11185-79012025-02-12T14:05:52Z The influence of behavioural economic on spending patterns in digital payment systems empirical evidence from Germany La influencia de la economía conductual en los patrones de gasto en los sistemas de pago digitales: evidencia empírica de Alemania Alsaloom, Rifaat Porporato, Daher Gustavo Dutto, Martín Leandro Dapena Fernández, Juan Lucas Andrés, María Fernanda Gross, Markus Pago digital Alemania Economía del comportamiento Patrones de gasto Compra impulsiva Dolor de pago Digital payment Germany Behavioural economics Spending patterns Impulse buying Pain of payment Fil: Alsaloom, Rifaat. Universidad Nacional del Litoral. Facultad de Ciencias Económicas; Argentina. Fil: Alsaloom, Rifaat. University of Applied Sciences Hochschule Kaiserslautern. Faculty of Business Administration; Alemania. La rápida adopción de los sistemas de pago digitales ha transformado los patrones de gasto de los consumidores, lo que plantea cuestiones críticas sobre el papel de la economía conductual en la conformación de las decisiones financieras. Este estudio investiga los factores psicológicos y económicos que influyen en el comportamiento de gasto en el contexto de las transacciones sin efectivo en Alemania. Mediante el empleo de un enfoque empírico, se recopilaron datos a través de una encuesta en línea dirigida a residentes alemanes y se analizaron utilizando SPSS. Los hallazgos revelan que los pagos digitales reducen el "dolor de pagar" facilitando las compras impulsivas. Además, los consumidores perciben los pagos digitales como más convenientes, aunque existen preocupaciones sobre la seguridad. Este estudio contribuye a la literatura sobre finanzas conductuales y economía del consumidor al ofrecer información sobre cómo los avances tecnológicos en finanzas afectan la toma de decisiones económicas. Los resultados tienen implicaciones para las instituciones financieras, los responsables de las políticas y los proveedores de pagos digitales, y enfatizan la necesidad de estrategias que promuevan el gasto responsable al tiempo que aprovechan los beneficios de las herramientas financieras digitales. The rapid adoption of digital payment systems has transformed consumer spending patterns, raising critical questions about the role of behavioural economics in shaping financial decisions. This study investigates the psychological and economic factors influencing spending behavior in the context of cashless transactions in Germany. By employing an empirical approach, data was collected through an online survey targeting German residents and analyzed using SPSS. The findings reveal that digital payments reduce the "pain of paying" facilitating impulse purchases. Additionally, consumers perceive digital payments as more convenient, though concerns about security. This study contributes to the literature on behavioural finance and consumer economics by offering insights into how technological advancements in finance impact economic decision-making. The results have implications for financial institutions, policymakers, and digital payment providers, emphasizing the need for strategies that promote responsible spending while leveraging the benefits of digital financial tools. 2025-02-12T13:33:09Z info:eu-repo/date/embargoEnd/2026-02-05 2024-11-21 05/02/2026 SNRD info:eu-repo/semantics/masterThesis info:ar-repo/semantics/tesis de maestría info:eu-repo/semantics/acceptedVersion https://hdl.handle.net/11185/7901 eng info:eu-repo/semantics/embargoedAccess http://creativecommons.org/licenses/by-nc-nd/4.0/deed.es application/pdf |
| institution |
Universidad Nacional del Litoral |
| collection |
Biblioteca de tesis |
| language |
English |
| topic |
Pago digital Alemania Economía del comportamiento Patrones de gasto Compra impulsiva Dolor de pago Digital payment Germany Behavioural economics Spending patterns Impulse buying Pain of payment |
| spellingShingle |
Pago digital Alemania Economía del comportamiento Patrones de gasto Compra impulsiva Dolor de pago Digital payment Germany Behavioural economics Spending patterns Impulse buying Pain of payment Alsaloom, Rifaat The influence of behavioural economic on spending patterns in digital payment systems empirical evidence from Germany |
| description |
Fil: Alsaloom, Rifaat. Universidad Nacional del Litoral. Facultad de Ciencias Económicas; Argentina. |
| author2 |
Porporato, Daher Gustavo |
| author_facet |
Porporato, Daher Gustavo Alsaloom, Rifaat |
| format |
Thesis |
| author |
Alsaloom, Rifaat |
| author_sort |
Alsaloom, Rifaat |
| title |
The influence of behavioural economic on spending patterns in digital payment systems empirical evidence from Germany |
| title_short |
The influence of behavioural economic on spending patterns in digital payment systems empirical evidence from Germany |
| title_full |
The influence of behavioural economic on spending patterns in digital payment systems empirical evidence from Germany |
| title_fullStr |
The influence of behavioural economic on spending patterns in digital payment systems empirical evidence from Germany |
| title_full_unstemmed |
The influence of behavioural economic on spending patterns in digital payment systems empirical evidence from Germany |
| title_sort |
influence of behavioural economic on spending patterns in digital payment systems empirical evidence from germany |
| publishDate |
2025 |
| url |
https://hdl.handle.net/11185/7901 |
| _version_ |
1824323921232527360 |
| score |
11.8626 |