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    If you are going to pay within the next 24 hours, press 1: automatic planning prompt reduces credit card delinquency

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    License
    Attribution-NonCommercial-NoDerivatives 4.0 International
    Date Issued
    2018-07
    Publisher Version
    10.1002/jcpy.1031
    Author(s)
    Mazar, Nina
    Mochon, Daniel
    Ariely, Dan
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    Permanent Link
    https://hdl.handle.net/2144/40097
    OA Version
    Published version
    Citation (published version)
    Nina Mazar, Daniel Mochon, Dan Ariely. 2018. "If You Are Going to Pay Within the Next 24 Hours, Press 1: Automatic Planning Prompt Reduces Credit Card Delinquency." Journal of Consumer Psychology, Volume 28, Issue 3, pp. 466 - 476. https://doi.org/10.1002/jcpy.1031
    Abstract
    People often form intentions but fail to follow through on them. Mounting evidence suggests that such intention-action gaps can be narrowed with prompts to make concrete plans about when, where and how to act to achieve the intention. In this paper we pushed the notion of plan-concreteness to test the efficacy of a prompt under a minimalist automated calling setting, where respondents were only prompted to indicate a narrower duration within which they intent to act. In a field experiment this planning prompt significantly helped people to pay their past dues and get out of debt delinquency. These results suggest that minimalist automatic planning prompts are a scalable, cost-effective intervention.
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    Attribution-NonCommercial-NoDerivatives 4.0 International
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    • QSB: Scholarly Works [86]
    • BU Open Access Articles [3730]


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