销售点
溢出效应
付款
现金
点(几何)
业务
电子现金
财务
经济
计算机科学
微观经济学
几何学
数学
万维网
作者
Hyun-Soo Choi,Roger Loh
出处
期刊:Management Science
[Institute for Operations Research and the Management Sciences]
日期:2023-11-14
被引量:4
标识
DOI:10.1287/mnsc.2023.4972
摘要
The behavioral literature suggests that minor frictions can elicit desirable behavior without obvious coercion. Using closures of ATMs in a densely populated city as an instrument for small frictions to physical banking access, we find that customers affected by ATM closures increase their usage of the bank’s digital platform. Other spillover effects of this adoption of financial technology include increases in point-of-sale transactions, electronic funds transfers, automatic bill payments and savings, and a reduction in cash usage. Our results show that minor frictions can help overcome the status quo bias and facilitate significant behavior change. This paper was accepted by David Sraer, finance. Supplemental Material: Data and the online appendix are available at https://doi.org/10.1287/mnsc.2023.4972 .
科研通智能强力驱动
Strongly Powered by AbleSci AI