I see. So cash is salient. This is presumably why casinos have gamblers exchange money forchips.
我明白了。所以现金才是重点。想必这就是为什么赌场会让赌客把钱换成筹码。
Yes. As neuroeconomists Drazen Prelec and George Loewenstein have shown, the morepayment is “decoupled from consumption, the more we consume. We also spend on morefrivolous and less healthy items when the pain of payment is lower.
是的。就像神经经济学家德拉赞渠雷莱克(Drazen Prelec)和乔治勒文施泰因(George Loewenstein)所证明的,支付和消费越是“脱钩,我们消费的就越多。在支付的痛苦更低的时候,我们也会在更加无聊和不那么健康的事物上花钱。
The pain might be lower but it comes eventually — with interest.
支付的痛苦可能更低了,但最终它依然会到来——和利息一起。
That is if we remember. The academics Priya Raghubir and Joydeep Srivastava have found thatwe are less likely to remember purchases made by electronic means.
如果我们记得的话。普里亚拉古比尔(Priya Raghubir)和乔伊迪普斯里瓦斯塔瓦(Joydeep Srivastava)两位学者发现,我们更难记住通过电子方式进行的消费。
So even if Apple Pay isn’t faster, it may still change how we spend?
因此就算Apple Pay并没有更快,它还是可能改变我们的消费方式?
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