Does mobile payment use lead to overspending? The moderating role of financial knowledge

作者：

Highlights：

• Despite a significant increase in the adoption of mobile payment, little academic attention has been given to the consequences of mobile payment use.

• Mobile payment users are at a much higher risk of overspending than non-users.

• Having more financial knowledge helps buffer the extent to which mobile payments exacerbate overconsumption and difficulty with money management.

摘要

•Despite a significant increase in the adoption of mobile payment, little academic attention has been given to the consequences of mobile payment use.•Mobile payment users are at a much higher risk of overspending than non-users.•Having more financial knowledge helps buffer the extent to which mobile payments exacerbate overconsumption and difficulty with money management.

论文关键词：Mobile payment,Overspending,Financial knowledge,Payment methods,Consumptions,Money management,Credit card behaviors

论文评审过程：Received 26 September 2021, Revised 21 February 2022, Accepted 30 April 2022, Available online 3 May 2022, Version of Record 6 May 2022.

论文官网地址：https://doi.org/10.1016/j.chb.2022.107319