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All Journal Indonesia Economic Journal
Tiara Kinanti
UIN Raden Mas Said Surakarta
Economics, Econometrics & Finance

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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.
Co-Authors Bhenu Artha Fajar Santoso