标题： 对债务催收的偏好和态度：一项跨代际的研究 显示英文标题

标题： Preferences and Attitudes towards Debt Collection: A Cross-Generational Investigation

摘要： 初步研究表明，越来越多的年轻成年人陷入债务催收。 然而，债务催收机构（DCAs）仍然缺乏如何处理这些消费者的知识。 在德国进行了一项大规模的混合方法调查（N = 996），以研究从传统支付方式到数字支付方式以及沟通渠道的偏好变化；以及对金融机构态度的变化。 我们的结果表明，确实，年轻消费者更倾向于使用数字支付方式（例如，Paypal，Apple Pay），而年长消费者更倾向于使用传统支付方式，如人工转账。 在沟通渠道方面，我们发现年长消费者比年轻消费者更倾向于使用信件。 影响支付和沟通偏好的其他因素包括性别、收入和居住在城市地区。 最后，我们观察到年轻消费者的观念发生了变化，他们在谈论债务时表现出更多的开放性，而年长消费者则较少如此。 总之，我们的研究结果表明，消费者的偏好受到个体差异的影响，特别是年龄，我们讨论了债务催收机构如何利用这些见解来优化其流程。 显示英文摘要

摘要： Preliminary research indicated that an increasing number of young adults end up in debt collection. Yet, debt collection agencies (DCAs) are still lacking knowledge on how to approach these consumers. A large-scale mixed-methods survey of consumers in Germany (N = 996) was conducted to investigate preference shifts from traditional to digital payment, and communication channels; and attitude shifts towards financial institutions. Our results show that, indeed, younger consumers are more likely to prefer digital payment methods (e.g., Paypal, Apple Pay), while older consumers are more likely to prefer traditional payment methods such as manual transfer. In the case of communication channels, we found that older consumers were more likely to prefer letters than younger consumers. Additional factors that had an influence on payment and communication preferences include gender, income and living in an urban area. Finally, we observed attitude shifts of younger consumers by exhibiting more openness when talking about their debt than older consumers. In summary, our findings show that consumers' preferences are influenced by individual differences, specifically age, and we discuss how DCAs can leverage these insights to optimize their processes.