Stephanie M Tully
Biographic Data
| ID | 4100964 |
|---|---|
| NAME | Stephanie M Tully |
| GIVEN NAMES | Stephanie M |
| FAMILY NAME | Tully |
| SIGNATURE | TULLY S M |
| AFFILIATIONS | University of Southern California |
| ORCID | 0000-0002-7179-7729 |
| VERIFIED | Yes |
| TOTAL WORKS | 8 |
| TOTAL CITATIONS | 31 |
| AUTHOR COUNT | 7 |
| EDITOR COUNT | 1 |
| FIRST PUBLICATION YEAR | 2015 |
| LATEST PUBLICATION YEAR | 2026 |
| H-INDEX | 3 |
The Benefits of Bundling Material Goods with Moderate Usage Complementarity
Firms can bundle material goods together in various ways, including based on their usage complementarity (i.e., the likelihood that the goods are used together). While prior research has investigated the consequences of bundling products that are high (vs. low) in usage complementarity, the current research uncovers the benefits of bundling products that are moderate in usage complementarity (e.g., a coffee mug and a folding chair). Thirteen pre-…
Made With AI: Consumer Engagement with Social Media Containing AI Disclosures
Social media shapes how people connect, communicate and consume information. As generative artificial intelligence (AI) becomes an increasingly common tool for content creation, many platforms have introduced disclosure requirements to inform consumers when content has been created or significantly edited by AI. Yet, little is known about how such AI-generated content (AIGC) disclosures influence consumer engagement, a key metric for creators, pl…
Scarcity and intertemporal choice
10,297) show that time horizon moderates intertemporal decisions under scarcity. Study 2 manipulates scarcity perceptions among people engaged to be married, leading to increased preferences for sooner outcomes when wedding dates have shorter time horizons and a significant reversal when wedding dates have longer time horizons. Study 3 demonstrates that time horizon predicts intertemporal choice only when the intertemporal choice can help address…
The Impact of Payment Frequency on Consumer Spending and Subjective Wealth Perceptions
Payment frequency is a fundamental yet underexplored feature of consumers' finances. As higher payment frequencies are becoming more prevalent, consumers are receiving more frequent yet smaller paychecks. An analysis of income and expenditure data of over 30,000 consumers from a financial services provider demonstrates a naturally occurring relationship between higher payment frequencies and increased spending. A series of lab studies support thi…
Too Constrained to Converse: The Effect of Financial Constraints on Word-of-Mouth
Existing research demonstrates that financial constraints are widespread and influence consumer attention, preference, choice, and consumption in a variety of ways. Despite the growing knowledge of how financial constraints affect the consumer decision-making process, less is known about its impact on post-purchase behavior. This work examines whether financial constraints impact an important post-purchase behavior—word of mouth—and in what direc…
Context-Dependent Drivers of Discretionary Debt Decisions: Explaining Willingness to Borrow for Experiential Purchases
Mental accounting research suggests that consumers prefer borrowing for longer-lasting purchases in order to receive benefits from the purchases as they pay for them. In contrast, two sets of archival data and five lab studies show that consumers are more willing to borrow for experiential versus material purchases, even though experiential purchases tend to have a shorter physical duration. Further, framing the same purchase as more experiential…
Forgetting to remember our experiences: People overestimate how much they will retrospect about personal events
People value experiences in part because of the memories they create. Yet, we find that people systematically overestimate how much they will retrospect about their experiences. This overestimation results from people focusing on their desire to retrospect about experiences, while failing to consider the experience's limited enduring accessibility in memory. Consistent with this view, we find that desirability is a stronger predictor of forecaste…
Seeking Lasting Enjoyment with Limited Money: Financial Constraints Increase Preference for Material Goods over Experiences
Consumers with limited discretionary money face important trade-offs when deciding how to spend it. In the current research, we suggest that feelings of financial constraint increase consumers’ concern about the lasting utility of their purchases, which in turn increases their preference for material goods over experiences. The results of seven studies confirm that the consideration of financial constraints shifts consumers’ preferences toward ma…
Seeking Lasting Enjoyment with Limited Money: Financial Constraints Increase Preference for Material Goods over Experiences
Consumers with limited discretionary money face important trade-offs when deciding how to spend it. In the current research, we suggest that feelings of financial constraint increase consumers’ concern about the lasting utility of their purchases, which in turn increases their preference for material goods over experiences. The results of seven studies confirm that the consideration of financial constraints shifts consumers’ preferences toward ma…
The Impact of Payment Frequency on Consumer Spending and Subjective Wealth Perceptions
Payment frequency is a fundamental yet underexplored feature of consumers' finances. As higher payment frequencies are becoming more prevalent, consumers are receiving more frequent yet smaller paychecks. An analysis of income and expenditure data of over 30,000 consumers from a financial services provider demonstrates a naturally occurring relationship between higher payment frequencies and increased spending. A series of lab studies support thi…
Context-Dependent Drivers of Discretionary Debt Decisions: Explaining Willingness to Borrow for Experiential Purchases
Mental accounting research suggests that consumers prefer borrowing for longer-lasting purchases in order to receive benefits from the purchases as they pay for them. In contrast, two sets of archival data and five lab studies show that consumers are more willing to borrow for experiential versus material purchases, even though experiential purchases tend to have a shorter physical duration. Further, framing the same purchase as more experiential…
Scarcity and intertemporal choice
10,297) show that time horizon moderates intertemporal decisions under scarcity. Study 2 manipulates scarcity perceptions among people engaged to be married, leading to increased preferences for sooner outcomes when wedding dates have shorter time horizons and a significant reversal when wedding dates have longer time horizons. Study 3 demonstrates that time horizon predicts intertemporal choice only when the intertemporal choice can help address…
Forgetting to remember our experiences: People overestimate how much they will retrospect about personal events
People value experiences in part because of the memories they create. Yet, we find that people systematically overestimate how much they will retrospect about their experiences. This overestimation results from people focusing on their desire to retrospect about experiences, while failing to consider the experience's limited enduring accessibility in memory. Consistent with this view, we find that desirability is a stronger predictor of forecaste…
Seeking Lasting Enjoyment with Limited Money: Financial Constraints Increase Preference for Material Goods over Experiences
Consumers with limited discretionary money face important trade-offs when deciding how to spend it. In the current research, we suggest that feelings of financial constraint increase consumers’ concern about the lasting utility of their purchases, which in turn increases their preference for material goods over experiences. The results of seven studies confirm that the consideration of financial constraints shifts consumers’ preferences toward ma…
Forgetting to remember our experiences: People overestimate how much they will retrospect about personal events
People value experiences in part because of the memories they create. Yet, we find that people systematically overestimate how much they will retrospect about their experiences. This overestimation results from people focusing on their desire to retrospect about experiences, while failing to consider the experience's limited enduring accessibility in memory. Consistent with this view, we find that desirability is a stronger predictor of forecaste…
Too Constrained to Converse: The Effect of Financial Constraints on Word-of-Mouth
Existing research demonstrates that financial constraints are widespread and influence consumer attention, preference, choice, and consumption in a variety of ways. Despite the growing knowledge of how financial constraints affect the consumer decision-making process, less is known about its impact on post-purchase behavior. This work examines whether financial constraints impact an important post-purchase behavior—word of mouth—and in what direc…
Context-Dependent Drivers of Discretionary Debt Decisions: Explaining Willingness to Borrow for Experiential Purchases
Mental accounting research suggests that consumers prefer borrowing for longer-lasting purchases in order to receive benefits from the purchases as they pay for them. In contrast, two sets of archival data and five lab studies show that consumers are more willing to borrow for experiential versus material purchases, even though experiential purchases tend to have a shorter physical duration. Further, framing the same purchase as more experiential…
The Impact of Payment Frequency on Consumer Spending and Subjective Wealth Perceptions
Payment frequency is a fundamental yet underexplored feature of consumers' finances. As higher payment frequencies are becoming more prevalent, consumers are receiving more frequent yet smaller paychecks. An analysis of income and expenditure data of over 30,000 consumers from a financial services provider demonstrates a naturally occurring relationship between higher payment frequencies and increased spending. A series of lab studies support thi…
Scarcity and intertemporal choice
10,297) show that time horizon moderates intertemporal decisions under scarcity. Study 2 manipulates scarcity perceptions among people engaged to be married, leading to increased preferences for sooner outcomes when wedding dates have shorter time horizons and a significant reversal when wedding dates have longer time horizons. Study 3 demonstrates that time horizon predicts intertemporal choice only when the intertemporal choice can help address…
The Benefits of Bundling Material Goods with Moderate Usage Complementarity
Firms can bundle material goods together in various ways, including based on their usage complementarity (i.e., the likelihood that the goods are used together). While prior research has investigated the consequences of bundling products that are high (vs. low) in usage complementarity, the current research uncovers the benefits of bundling products that are moderate in usage complementarity (e.g., a coffee mug and a folding chair). Thirteen pre-…
Made With AI: Consumer Engagement with Social Media Containing AI Disclosures
Social media shapes how people connect, communicate and consume information. As generative artificial intelligence (AI) becomes an increasingly common tool for content creation, many platforms have introduced disclosure requirements to inform consumers when content has been created or significantly edited by AI. Yet, little is known about how such AI-generated content (AIGC) disclosures influence consumer engagement, a key metric for creators, pl…
Psychology (6 works) · Decision-Making and Behavioral Economics (5 works) · Economics (5 works) · Social Psychology (5 works) · Business (4 works) · Microeconomics (4 works) · Consumption (sociology) (3 works) · Affect (linguistics) (2 works) · Cognitive psychology (2 works) · Digital Marketing and Social Media (2 works)