Do Number Endings Influence the Likelihood of Consumer Debt Repayment?

This research shows that number endings can influence consumer debt repayment decisions. Three studies indicate that consumers are more likely to repay debts ending in round numbers (i.e., ‘0’ and ‘5’) than other debt amounts (including 9-endings), which we attribute to the high processing fluency of round numbers.


Mathew Isaac, Yantao Wang, and Robert M. Schindler (2018) ,"Do Number Endings Influence the Likelihood of Consumer Debt Repayment?", in AP - Asia-Pacific Advances in Consumer Research Volume 12, eds. Shailendra Pratap Jain, Akshaya Vijayalakshmi, and , Duluth, MN : Association for Consumer Research, Pages: 26-26.


Mathew Isaac, Seattle University, USA
Yantao Wang, Microsoft Corporation, USA
Robert M. Schindler, Rutgers University, USA


AP - Asia-Pacific Advances in Consumer Research Volume 12 | 2018

Share Proceeding

Featured papers

See More


Flavor Fatigue: How Cognitive Depletion Reduces Enjoyment of Complex Flavors

Rhonda Hadi, Oxford University, UK
Dan Rubin, St. John’s University
Diogo Hildebrand, Baruch College, USA
Thomas Kramer, University of California Riverside, USA

Read More


Small but Sincere: The Impact of Firm Size and Gratitude on the Effectiveness of Cause-Marketing Campaigns

Eline L.E. De Vries, University Carlos III Madrid
Lola C. Duque, University Carlos III Madrid

Read More


Enhancing Perceptions toward In-Home Artificial Intelligence Devices through Trust: Anthropomorphism and Non-Branded Device Messages

Seth Ketron, East Carolina University
Brian Taillon, East Carolina University
Christine Kowalczyk, East Carolina University

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.