Donate Loose Or Whole Money?

With the popularity of the Internet and smart mobile devices,mobile payment has gradually penetrated into daily life,which has impact on consumer psychology and behavior.At the same time,Internet philanthropy is playing an increasingly important role in donations.However,research on the impact of emerging payment models on consumer pro social behavior is still limited.Therefore,from the perspective of prosocial behavior,this study uses 1 pre-test and 4 main studies to study the interaction between payment modes and whole/loose money on donation willingness and its internal explanation mechanism.The pre-test investigates the recognition of the whole/loose money in different payment modes,and initially verifies the existence of the cognitive difference.Study1 verifies H1:the payment mode and the whole/loose money have an interaction effect on the consumer's willingness to donate:when donate loose money,the willingness to donate in cash is significantly higher than in mobile payments;when donate whole money,the difference in willingness to donate between cash and mobile payments is not significant.Study2 verified H2:pain of paying mediates this interaction effect,and excludes possible explanation of convenience to carry;Study3 verified H3:when donate loose money,individuals differ in their chronic propensity to experience pain of payment moderates the effect.For tightwads,the willingness to donate cash is significantly higher than mobile payment,but for spendthrifts,the difference is not significant.Study4 further explored effective ways to increase online donations,and found that when donating loose money,simplifying the donation process can significantly increase the willingness to donate for mobile payments.This study innovatively extends the research on payment models to the field of prosocial behavior,and explores the interaction between payment models and whole/loose money,which not only enriches research results in related fields,but also provides important references to the design of online and offline non-profit organizations.