consumer credit decision processes Rob Ranyard ¤, Lisa Hinkley 1, Janis Williamson z, Sandie McHugh Department of Psychology and Life Sciences, University of Bolton, Deane Road, Bolton BL3 5AB, UK Received 22 March 2005; received in revised form 24 October 2005; accepted 7 November 2005 Available online 8 February 2006 Abstract The role of mental accounts in consumer credit decision making was investigated. First, in a conversation-based process-tracing study, 96 adults with experience of credit were…
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