心理需求与财务状况:消费者支出自我控制的作用

Laureane du Plessis, Yolanda Jordaan, Liezl-Marié van der Westhuizen
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引用次数: 0

摘要

金融服务提供商不断努力开发创新型金融产品和服务,以满足客户需求,改善客户的金融福祉。以往的研究发现,心理需求的满足与心理健康和成长呈正相关,而心理需求的挫折则与问题行为和不良情绪相关。然而,心理需求是否与财务幸福感相关仍存在不确定性。此外,心理需求的满足与表现出自我控制等积极的日常行为有关,而心理需求的挫折则与不负责任的消费有关。消费可能是一种心理应对机制,因此,对消费行为的调节可能有助于财务健康。因此,本文的主要目的是探讨心理需求与财务幸福感之间的关系,并评估消费者的消费自控力是否可以作为这种关系的调节机制。数据是通过在线付费消费者小组向活跃于信贷市场的南非消费者发放的自填式问卷收集的。结果显示,CSSC 对心理需求和财务幸福感之间的关系具有中介作用。这凸显了发展和促进消费者支出自控作为财务幸福战略的重要性。
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Psychological needs and financial well-being: the role of consumer spending self-control

Financial service providers continually strive to develop innovative financial products and services that address customer needs and aim to improve customers’ financial well-being. Previous studies discovered that psychological need satisfaction is positively associated with psychological well-being and growth, while psychological need frustration is associated with problematic behaviour and ill-being. However, uncertainty still exists as to whether psychological needs are associated with financial well-being. Furthermore, whereas psychological need satisfaction is associated with positive day-to-day behaviours such as exhibiting self-control, psychological need frustration has been associated with irresponsible spending. Spending can be a psychological coping mechanism, and as such, the regulation of spending behaviour may aid financial well-being. Therefore, the main purpose of this article is to explore the relationship between psychological needs and financial well-being, and to assess whether consumer spending self-control can act as a regulating mechanism in this relationship. Data were collected by means of a self-administered questionnaire distributed via an online paid-for consumer panel to credit-active South African consumers. The results revealed that CSSC had a mediating effect on the relationships between psychological needs and financial well-being. This highlights the importance of developing and promoting consumer spending self-control as a strategy for financial well-being.

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来源期刊
CiteScore
5.60
自引率
26.70%
发文量
61
期刊介绍: Under the guidance of its expert Editors and an eminent international Editorial Board, Journal of Financial Services Marketing has become one of the world''s leading forums for the latest thinking, techniques and developments in marketing financial services. The Journal has established itself as a key bridge between applied academic research and commercial best practice, globally. The journal covers: marketing banking services, pension plans, insurance, saving schemes, investment finance, personal finance, mortgages and credit and debit cards loyalty plans brand management cross-selling products and services customer relationship management online services customer profiling targeting product positioning pricing distribution management consumer finance pooled investment funds The Journal of Financial Services Marketing publishes detailed and authoritative: Case studies from marketers worldwide, detailing their practical experiences, the problems faced and the lessons learned Research with IMPLICATIONS FOR PRACTICE from leading business schools, research institutes and universities, worldwide Reviews and briefings by expert practitioners and academics sharing thought-provoking and challenging ideas Legal reviews examining in detail the major changes in legislation Book reviews providing a ''thumbnail'' of best practice in marketing within the financial services field ...to keep subscribers up-to-date with the latest developments and thinking in bank and financial services marketing.
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