... Publishing Limited Licensed re-use rights only Debt Consumer behaviour Cognitive reflection Consumer indebtedness Overdraft Most cognitive psychologists currently favor a dual-system approach to higher cognition processes (Evans, 2003, 2008). Two systems compete for control of our...

... operator (RDO) model of risk management described below, with the goal of contributing to a more in‐depth understanding of the psychology of repayment choices. Consumer behaviour Consumer credit Decision making Mental accounting Risk defusing operators This paper concerns the economic...

... at: francesco.pattarin@unimore.it © Emerald Group Publishing Limited 2012 Italy Consumer credit Consumer behaviour Debt financing Psychology Psychological attitudes to credit Over the last decade, Italian households have increased their propensity to indebtedness and, as a consequence...