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p-Index From 2021 - 2026
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This Author published in this journals
All Journal Indonesia Economic Journal Journal of Literature Review
Tiara Kinanti
UIN Raden Mas Said Surakarta
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Conceptualizing Dual Mechanisms of Decoupling: The Impact of Physical and Temporal Separation on The Intensity of Pain of Paying Tiara Kinanti; Fajar Santoso; Bhenu Artha
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/t9wz2n13

Abstract

The evolution of commerce from tangible cash to digital interactions has fundamentally altered the "pain of paying," a crucial psychological heuristic that regulates consumer spending. This research aims to conceptualize the dual mechanisms of decoupling, physical and temporal separation, within a unified theoretical framework. Utilizing a narrative review methodology, the study synthesizes contemporary literature to explore how these mechanisms manipulate consumer psychology. Physical decoupling, characterized by "Spendception" and invisible payments, reduces payment transparency and neutralizes emotional resistance at the point of sale. Temporal decoupling, prominently seen in Buy Now, Pay Later (BNPL) models, exploits time perception to minimize perceived financial commitment. While these strategies effectively increase impulse buying by removing cognitive friction, they paradoxically damage long-term brand loyalty by eliminating psychological effort justification. The paper concludes that in an increasingly frictionless digital economy, cultivating robust financial literacy is essential for transitioning consumers from vulnerable, heuristic-based emotional regulation to resilient, deliberate cognitive financial management.
The Anesthesia of Digital Transactions: A Conceptual Framework Linking the Pain of Paying to Expense Control and Debt Accumulation Bhenu Artha; Fajar Santoso; Wuku Astuti; Tiara Kinanti
Journal of Literature Review Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/6t3m0r08

Abstract

The rapid digitalization of financial services has fundamentally altered how eco- nomic agents interact with money, shifting the paradigm from tangible cash ex- changes to frictionless digital transactions. Grounded in behavioral economics and mental accounting theory, this conceptual paper investigates the psychological phenomenon known as the “pain of paying” and its profound impact on financial behavior. Specifically, this article proposes a comprehensive theoretical framework illustrating how the pain of paying influences expense control and debt accumulation. Furthermore, it introduces digital finance adoption, including e-wallets, mobile banking, and “Buy Now, Pay Later” (BNPL) schemes, as a critical moderator that numbs this psychological pain. We argue that while financial technology enhances transactional efficiency, it inadvertently weakens self-regulatory mechanisms, leading to suboptimal cash management and an increased propensity for over-indebtedness. The conceptual framework extends to the context of individual consumers as well as Micro, Small, and Medium Enterprises (MSMEs), highlighting the necessity for robust financial literacy and an entrepreneurial mindset to buffer these adverse effects. The paper concludes with theoretical and practical implications, suggesting avenues for future empirical validation, particularly utilizing variance-based structural equation modeling techniques, and offering insights for regulatory frameworks governing digital financial services.
A Critical Review of Tracing Knowledge Diffusion Flows in Islamic Finance Research: A Main Path Analysis Fajar Santoso; Bhenu Artha; Asha Musa Mallya; Wuku Astuti; Tiara Kinanti
Indonesia Economic Journal Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/a8apsk62

Abstract

This study provides a critical review of Rejeb et al.'s (2026) research, which uses co-word and main path analysis to trace knowledge diffusion in Islamic finance (IF) literature. The objective of this paper is to evaluate the methodological rigor, theoretical underpinnings, and empirical findings of the original study to identify research gaps and inconsistencies. The research employs a critical literature review methodology to systematically assess and critique the selected paper. The findings indicate that while the original study boasts a novel dual-methodological approach, a comprehensive dataset of 4,422 documents, and a clear thematic architecture by identifying seven distinct clusters, it suffers from notable limitations. Key weaknesses include an exclusive reliance on the Scopus database, uniform citation weighting, language bias, and limited longitudinal or comparative trend analysis. The review concludes that the paper successfully maps the IF research landscape but functions more as a descriptive-analytical study rather than a prescriptive guide, falling short of providing transformative insights into emerging IF domains.
Co-Authors Asha Musa Mallya Bhenu Artha Fajar Santoso Wuku Astuti Wuku Astuti