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All Journal Globish: An English-Indonesian Journal for English, Education, and Culture Jurnal Abadimas Adi Buana JET (Journal of English Teaching) Adi Buana Buana Pendidikan: Jurnal Fakultas Keguruan dan Ilmu Pendidikan Unipa Surabaya Jurnal Penamas Adi Buana Wahana : Tridarma Perguruan Tinggi Langit Biru: Jurnal Ilmiah Aviasi Jurnal Peradaban Masyarakat (JPM) Komunita: Jurnal Pengabdian dan Pemberdayaan Masyarakat Kanigara Jurnal Riset Manajemen JEELL (Journal of English Education, Linguistics and Literature)
Fajar Susanto
Universitas PGRI Adi Buana
Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Nursing Physics Public Health Social Sciences Transportation Other

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Spendception and AI-Driven Digital Payment Deception: A Literature Review Susanto, Fajar; Artha, Bhenu; Nur, Sadath M.; Putri, Felyanah Dessy Cinthya; Dinka, Cynta Akya
Jurnal Riset Manajemen Vol 3 No 1 (2026): Maret
Publisher : Fakultas Ekonomi, Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64620/jurma.v3i1.127

Abstract

This systematic literature review examines "spendception", the psychological deception of spending more when using digital payments, within the context of recent trends in digital finance from 2020 to 2026. The review synthesizes 42 peer-reviewed studies to identify critical research gaps, analyze the convergence of AI-driven personalization and real-time transaction processing in exacerbating impulsive consumption, and establish the imperative for policymakers and marketing organizations to prioritize consumer protection and digital literacy initiatives. The SLR reveals significant gaps in longitudinal research, neurobiological understanding, regulatory integration, intersectional vulnerability analysis, and intervention mechanisms, gaps essential for developing comprehensive consumer protection frameworks in an increasingly sophisticated fintech ecosystem.
Co-Authors Agustina, Eliasanti Andanty, Ferra Dian Armelia N. Arbani Armelia Nungki Artha, Bhenu Bandono, Adi Claudia Fira Inne P Dinka, Cynta Akya Elfrida Ratnawati Elia, Eliasanti Agustina Endang M. Rahayu Hertiki Hertiki Hertiki, Hertiki Irfan Rifai Joesasono O. Soelistijowati Nur, Sadath M. Putri, Felyanah Dessy Cinthya Putri, Nabila Tavania Rahayu, Endang Mastuti RAHMAT SETIAWAN Rufi'i Sabariah Soelistijowati, Joesasono Oediarti Tafuzi, Novta Ittaqy Triana Novitasari, Triana Wira Hestiningrum, Hanif Yudho Pranoto, Dani Chandra