The increasingly popular digital payments are changing our shopping habits, and from a deeper perspective, it is even changing the attitude of the human brain to treat the shopping.
Like impulse shopping users attention, you chop the hand frequency may have increased. Last month, Apple released a new MacBook Pro equipped with Touch ID, so when the online shopping as long as the press fingerprint to complete the payment, no longer need to flip from the wallet card, enter the account password to complete the entire shopping process.
On the one hand, this new type of shopping more quickly and more secure (because not online storage credit card information), on the other hand, it also to businesses and banks to build a new business processing framework. According to previous research, Apple Pay, Samsung Pay, Venmo and digital payment technology around the world are changing the human brain to treat shopping attitude.
"From a rational point of view, people's spending habits should really have nothing to do with the payment method." "Says Bunker, a market research specialist at the University of Utah. But from the perspective of behavioral economics, which combines both psychology and neuroscience, the difference in payment methods does affect what you buy and how much money you spend. Although the US-based digital mobile phone-based transactions are not popular, but the user can already look through the reaction of the future of the digital payment of the future.
Cash payment in the payment can make you feel real deal with the "heartache", and credit card payments will slow down this "heartache" level, because the user can accumulate points, but also get an extra discount. However, the credit card shopping will create a very split feelings, buy buy you will be very cool, but also in the account when the user will feel a more intense heartache. Compared with the debit card is not such a disadvantage, it will directly affect your shopping habits, people return to reason.
Apple Pay can be associated with a credit or debit card, so the user's spending habits may be affected by the type of card they are tied to. But the new study found that in the era of digital payments, this difference has become very small. Noyers, who worked at Citibank and Wells Fargo, said the emergence of Touch ID changed everything, not just a new form of payment, but a subtle change in the definition of the word "transaction". "In the shopping you are not in the payment, but in the display of their identity, which makes people feel good. Noes said.
Therefore, whether it is on the computer or smart phone, through the fingerprint a key payment will experience a huge change, this change may also have emotional part. After all, compared with those plastic cards, often accompanied by our side of the electronic equipment more personal, it is closely related with our daily lives, but also to call to the fingerprints, it will certainly affect our attitude towards new payment technology.