Why We Spend More With Cards Than Cash

What this episode covers

In this episode, Lucas and Luna explore the decoupling effect — the psychological gap that makes spending feel less painful when we use credit cards instead of cash. They break down a classic 2001 study by Drazen Prelec and Duncan Simester, which found that NBA fans were willing to bid more than double for tickets when paying by card versus cash. The hosts connect this to modern payment apps like Apple Pay and Venmo, where friction is nearly zero, and discuss how fintech companies are now using behavioral economics to design payment interfaces that either encourage or discourage spending. Listeners will learn one concrete tactic to reduce their own spending: leaving their credit card at home for a week and using only cash for small discretionary purchases. #DecouplingEffect #CreditCards #Cash #BehavioralEconomics #SpendingPsychology #PaymentFriction #DrazenPrelec #DuncanSimester #NBA #Fintech #ApplePay #Venmo #ConsumerBehavior #FinancialWellness #Economics #FexingoBusiness #BusinessPodcast #DecisionMaking Keep every episode free: buymeacoffee.com/fexingo

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Frequently Asked Questions

How long is this episode of Behavioral Economics with Fexingo: Decision Making, Bias, and How People Really Spend?

This episode is 6 minutes long.

When was this Behavioral Economics with Fexingo: Decision Making, Bias, and How People Really Spend episode published?

This episode was published on June 2, 2026.

What is this episode about?

In this episode, Lucas and Luna explore the decoupling effect — the psychological gap that makes spending feel less painful when we use credit cards instead of cash. They break down a classic 2001 study by Drazen Prelec and Duncan Simester, which...

Can I download this Behavioral Economics with Fexingo: Decision Making, Bias, and How People Really Spend episode?

Yes, you can download this episode by clicking the download button on the episode player, or subscribe to the podcast in your preferred podcast app for automatic downloads.