Essays about: "overspending"

Showing result 1 - 5 of 9 essays containing the word overspending.

  1. 1. Buy Now, Pay Later: Assessing the Financial and Behavioral Implications for Gen-Z Consumers in the USA

    University essay from Blekinge Tekniska Högskola/Institutionen för industriell ekonomi

    Author : Feseha Gebeyehu; Avraam Mavridis; [2023]
    Keywords : BNPL; Gen-Z; Impulsive spending; Overconsumption; Debt; Credit; Financial Wellbeing;

    Abstract : Background: The payment methods available to consumers for online purchases have evolved over time, with options ranging from debit and credit cards to e-wallets like PayPal and Apple Pay. Among these methods, Buy Now Pay Later (BNPL) has emerged as a significant payment method alternative. READ MORE

  3. 2. Classification Method of Financial Behaviour Through Means of Machine Learning : Can a classification method created using bank transaction and machine learning help individuals to understand their spending behavior?

    University essay from KTH/Skolan för elektroteknik och datavetenskap (EECS)

    Author : Yilei Cheng; Akhmed Al-Sayed; [2022]
    Keywords : machine learning; bank transactions; classification; spending behaviour; overspending; money awareness.; maskininlärning; banktransaktioner; klassificering; utgiftsbeteende; överutgifter; finansiell kunskap.;

    Abstract : With the current fast transformation from physical cash to digitized banking systems, there are more and more people that are at risk of overspending without realizing it. There are methods and researches done that are targeted at incorporating machine learning in identifying fraudulent transactions and credit scores but currently there is no research done in categorizing people’s behaviour based on transaction records using machine learning techniques. READ MORE

  4. 3. Where did my money go? A practical investigation towards users’ overspending behavior on online payment solution.

    University essay from Uppsala universitet/Institutionen för informatik och media

    Author : Hangning Zhang; [2022]
    Keywords : Credit card premium; Online payment solution; Financial management; UX Design; Human-Computer Interaction;

    Abstract : When entering the age of information technology, cash payments were slowly been replaced by other methods including credit cards and online payment applications. On one hand, it brings convenience, on the other hand, people potentially spend more money than before. READ MORE

  5. 4. Equilibrium : Speculations about how interactions with money will look like in a cashless society

    University essay from Konstfack/Industridesign

    Author : Anton Åsberg; [2021]
    Keywords : Cashless Society; Digital Money; Speculative Design; Cash; Money; Pain of Paying; Abstraction; Tangibility;

    Abstract : This thesis aims to answer the question how our relation to money will look like in a potential cashless society.  In a world where all cash has disappeared and the only existing way of paying is digital, what will the notion of money be? How are we interacting with it? How is it affecting our way of spending and saving? With the digitalization of money comes a lot of potential problems that may not be as clear in the beginning, and are being over shadowed by the much clearer and easier to grasp benefits. READ MORE

  6. 5. Co-creators or puppets? : a study on AI-marketing’s role in consumers’ value co-creation

    University essay from Högskolan Kristianstad/Fakulteten för ekonomi

    Author : Frida Bergquist Olsson; Hanna Dahl; [2021]
    Keywords : Digital marketing; AI Marketing; AI-based decision aids; Service-Dominant Logic; Value co-creation; Value co-destruction; Consumer value;

    Abstract : In recent years, AI has received increased attention in the field of marketing and is believed to grow even more in the future. It seems that the use of AI in marketing has a significant impact on consumer value creation. READ MORE