Using Gambling to Incentivize Prudent Financial Decisions

Prize-linked accounts have recently begun gathering attention as a method for increasing savings. In this paper, we introduce a similar incentive structure to encourage debt repayment. We examine interest in lottery-based incentives across savings and credit products and leverage psychological insights around goal-setting to recommend specific design


Abigail B. Sussman and Rourke L. O'Brien (2015) ,"Using Gambling to Incentivize Prudent Financial Decisions", in NA - Advances in Consumer Research Volume 43, eds. Kristin Diehl , Carolyn Yoon, and , Duluth, MN : Association for Consumer Research, Pages: 224-228.


Abigail B. Sussman, University of Chicago, USA
Rourke L. O'Brien, Harvard University, USA


NA - Advances in Consumer Research Volume 43 | 2015

Share Proceeding

Featured papers

See More


F11. Anti-Consumption for Sustainability: The Environmental Impact of Anti-Consumption Lifestyles, Environmentally Concerned Individuals and Ethical Consumers

Laurie Touchette, HEC Montreal, Canada
Marcelo Vinhal Nepomuceno, HEC Montreal, Canada

Read More


A Slack-Based Account of Pain of Payment

Justin Pomerance, University of Colorado, USA
Nicholas Reinholtz, University of Colorado, USA

Read More


Liminal Motherhood: Relational Partners Experience of Liminality

Adriana Schneider Dallolio, Fundação Getúlio Vargas - FGV-EAESP
Eliane Zamith Brito, Fundação Getúlio Vargas

Read More

Engage with Us

Becoming an Association for Consumer Research member is simple. Membership in ACR is relatively inexpensive, but brings significant benefits to its members.