Ich hätte das so erwartet, aber nicht aus eigener Intuition, sondern weil es viele Studien gibt, die das praktisch alle bestätigen. Es gibt sogar zufällig eine aktuelle Meta-Studie dazu:
Drawing on both academic and industry sources, our research team combined the results from more than four decades of prior research on spending behaviour and payment methods into a large dataset.
This data spanned 71 research papers, 17 countries, and more than 11,000 participants. State-of-the-art meta-analysis techniques then allowed us to collectively analyse the results from all these prior studies, and re-examine their insights.
We found that cashless payments were indeed associated with higher levels of consumer spending compared to cash transactions, something that is referred to in the literature as the “cashless effect”.
This cashless effect was consistent across all other payment methods in the data set.
Put simply, it doesn’t matter whether you use a credit card, debit card or a buy-now-pay-later service – you are likely to spend more money using cashless methods than when you pay with cash.