Certainly, digital payment systems aren't all bad. For one, they improve customers' experiences by making transactions easier and faster, eliminating the antiquated card-swiping and pen-signing systems still used by most retailers today. They also give bad tippers and non-tippers an extra nudge to tip properly. Clearly, service workers deserve to be tipped, and tipped well, for a job well done.
However, for the average person just trying to do the right thing, these devices can mean hundreds, if not thousands of dollars spent unintentionally. As we quickly pay while getting out of a cab, for example, most of us don't have the time or mental bandwidth to think about how the way we're paying affects how much we are paying.
During these times, our brain is operating out of habit, and we quickly act with little or no conscious thought. We remain woefully unaware of how these interfaces leverage our deeper psychology to change our behavior by design.
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