Eliminating the Paper Trail: Consumers Use Less Trackable Payment Methods For Hard-To-Justify Purchases

Five studies show that when consumers make purchases that are hard to justify, they are more likely to use cash than a card (debit or credit) to reduce their “paper trail” and the likelihood they will revisit these hard-to-justify financial activities in the future.


Christopher Bechler, Joshua I Morris, and Szu-chi Huang (2019) ,"Eliminating the Paper Trail: Consumers Use Less Trackable Payment Methods For Hard-To-Justify Purchases", in NA - Advances in Consumer Research Volume 47, eds. Rajesh Bagchi, Lauren Block, and Leonard Lee, Duluth, MN : Association for Consumer Research, Pages: 265-269.


Christopher Bechler, Stanford University, USA
Joshua I Morris, Stanford University, USA
Szu-chi Huang, Stanford University, USA


NA - Advances in Consumer Research Volume 47 | 2019

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