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Scrip:一个能阻止你冲动消费的移动支付小设备

国际资讯基于互联网平台的金融业务

Scrip:一个能阻止你冲动消费的移动支付小设备

The designers behind Fitbit’s trackers invented a tiny device to stop you from impulse shopping

多亏了信用卡、数字支付应用和智能手机,现在就算不碰现金,也能轻松花钱了。

但问题是,现在花钱太容易了。研究表明,用现金支付会让人感到痛苦,从而使人们克制自己不乱花钱。很久之前就有研究表明,用信用卡支付的时候,消费者愿意花更多的钱,因为这时人们对钱的感觉比现金抽象得多。

有家公司相信,让无现金交易更有实物感将有助于阻止消费者购买无用的商品。Scrip是一个铜色小型电子支付设备,它可以模拟用现金支付的体验。该设备目前还只是一个概念,由NewDealDesign公司提出,该公司负责Fitbit品牌可穿戴电子设备的设计。

Scrip跟Apple Pay一样,都运用了近场通讯,并与用户的银行账户绑定。支付时,用户将拇指划过该设备,就像在数现金一样。而后该设备将显示支付后的账户余额。

NewDealDesign的创始人Gadi Amit称,Scrip“重现了现金交易的特点,如翻过一叠钞票、选出一张纸币,从而让钱重新变得有实感了。”他提出Scrip的概念,是因为他注意到自己处于青少年的女儿经常把钱花完,而这个问题他自己却没遇到过,他青少年时人们只用现金买东西。

NewDealDesign的经验设计经理Jaeha Yoo称:“花现金人们会感到痛苦,花钱的动作的确会触法疼痛感受器,把纸币从自己口袋交给别人会使人感到失去的痛苦。”

Scrip的创造者希望这个设备能够激发这样的痛苦,从而使用户在花钱时更谨慎。

Thanks to credit cards, digital payment apps, and smartphones, it's easy to spend money without ever having to touch cash.

In fact, it can be too easy. Research indicates that paying with cash can actually feel painful-and thus act as a deterrent to mindless spending. It's also long been shown that consumers spend more (and are often willing to pay more for the same items) when they're paying with a credit card because money feels much more abstract.

One firm believes that it can help people stop buying useless things by making cashless transactions feel more tactile. Scrip is a small copper-colored digital payment device designed to mimic the experience of paying with cash. Currently a concept, the device was created by the firm NewDealDesign, which is behind the design of Fitbit's wearables.

Scrip uses near-field communication like Apple Pay and is linked to users' bank accounts. To make a payment, a person would swipe his or her thumb over the device in a manner similar to counting bills. The device then shows the account's updated balance.

Gadi Amit, the founder of NewDealDesign, said that Scrip "brings physicality back to money by replicating the positives of a cash transaction, such as the flipping and selecting of notes." He came up with the concept for Scrip when he noticed his teenaged daughters were often out of funds, something that wasn't a problem when they were younger and used only cash for purchases.

"Spending cash is actually painful to people," said Jaeha Yoo, director of experience design at NewDealDesign. "It literally triggers pain receptors-the act of moving these physical things from one side to the other triggers this loss aversion."

The creators of Scrip are counting on the device to simulate that pain, which hopefully pushes users to become more mindful of their spending.

GELP

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