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    THE INFLUENCE OF PAYMENT METHOD AND CHOICE MINDSET ON RISK TAKING BEHAVIORS

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    Onuklu_temple_0225E_14630.pdf
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    2023-08-17
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    Genre
    Thesis/Dissertation
    Date
    2021
    Author
    Onuklu, Nese Nur
    Advisor
    Srivastava, Joydeep
    Wadhwa, Monica
    Committee member
    Mudambi, Susan
    Morrin, Maureen
    Wattal, Sunil
    Department
    Business Administration/Marketing
    Subject
    Business administration
    Marketing
    Permanent link to this record
    http://hdl.handle.net/20.500.12613/6884
    
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    DOI
    http://dx.doi.org/10.34944/dspace/6866
    Abstract
    The role of risk in consumer decision-making has been a popular research subject in the last decades. As such, the determinants of risk-taking have been examined in several domains. Past research suggests that risky decisions are frequently influenced by various situational factors. Across two essays, two such factors that impact consumer risk-taking behaviors, namely payment methods and choice mindset are explored. In the first essay, the impact of payment methods on consumers’ risk-taking in purchase decisions is analyzed. This paper tests processing differences initiated by the payment methods and suggests that consumers are more likely to neglect the risk associated with the purchase when paying with a credit card than cash. In the second essay, the influence of a mere belief that one has a choice, in the absence of making an active choice is explored in the context of risky decisions. The findings suggest that merely reminding people that they have a choice leads to a tendency to seize opportunities impacting risk preferences.
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