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If You Are Going to Pay Within the Next 24 Hours, Press 1: Automatic Planning Prompt Reduces Credit Card Delinquency

Publication ,  Journal Article
Mazar, N; Mochon, D; Ariely, D
Published in: Journal of Consumer Psychology
July 1, 2018

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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Published In

Journal of Consumer Psychology

DOI

ISSN

1057-7408

Publication Date

July 1, 2018

Volume

28

Issue

3

Start / End Page

466 / 476

Related Subject Headings

  • Marketing
  • 5205 Social and personality psychology
  • 5201 Applied and developmental psychology
  • 3506 Marketing
  • 1701 Psychology
  • 1505 Marketing
 

Citation

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Mazar, N., Mochon, D., & Ariely, D. (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, 28(3), 466–476. https://doi.org/10.1002/jcpy.1031
Mazar, N., D. Mochon, and D. Ariely. “If You Are Going to Pay Within the Next 24 Hours, Press 1: Automatic Planning Prompt Reduces Credit Card Delinquency.” Journal of Consumer Psychology 28, no. 3 (July 1, 2018): 466–76. https://doi.org/10.1002/jcpy.1031.
Mazar N, Mochon D, Ariely D. If You Are Going to Pay Within the Next 24 Hours, Press 1: Automatic Planning Prompt Reduces Credit Card Delinquency. Journal of Consumer Psychology. 2018 Jul 1;28(3):466–76.
Mazar, N., et al. “If You Are Going to Pay Within the Next 24 Hours, Press 1: Automatic Planning Prompt Reduces Credit Card Delinquency.” Journal of Consumer Psychology, vol. 28, no. 3, July 2018, pp. 466–76. Scopus, doi:10.1002/jcpy.1031.
Mazar N, Mochon D, Ariely D. If You Are Going to Pay Within the Next 24 Hours, Press 1: Automatic Planning Prompt Reduces Credit Card Delinquency. Journal of Consumer Psychology. 2018 Jul 1;28(3):466–476.
Journal cover image

Published In

Journal of Consumer Psychology

DOI

ISSN

1057-7408

Publication Date

July 1, 2018

Volume

28

Issue

3

Start / End Page

466 / 476

Related Subject Headings

  • Marketing
  • 5205 Social and personality psychology
  • 5201 Applied and developmental psychology
  • 3506 Marketing
  • 1701 Psychology
  • 1505 Marketing