Do Round Numbers Influence Consumer Debt Repayment?

This research explores if consumers are influenced by number endings when considering debt repayment. Using two field studies and a lab experiment, we show that consumers are more likely to repay debts ending in round numbers (i.e., ‘0’ and ‘5’) than other debt amounts (including 9-endings), after controlling for potential confounds.


Mathew Isaac, Yantao Wang, and Robert Schindler (2014) ,"Do Round Numbers Influence Consumer Debt Repayment?", in NA - Advances in Consumer Research Volume 42, eds. June Cotte, Stacy Wood, and , Duluth, MN : Association for Consumer Research, Pages: 519-520.


Mathew Isaac, Seattle University, USA
Yantao Wang, Seattle University, USA
Robert Schindler, Rutgers University-Camden, USA


NA - Advances in Consumer Research Volume 42 | 2014

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