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发布时间:2021-10-21 00:01:16 阅读: 来源:格栅板厂家




你是否买过一些财力无法承受的物品?是否在购物时经常无法控制自己?如果一款手环通过电击惩罚来抑制你的购物欲,你会购买吗? T ech companies believe that knowledge is power, and the digit......你是否买过一些财力无法承受的物品?是否在购物时经常无法控制自己?如果一款手环通过电击惩罚来抑制你的购物欲,你会购买吗?

Tech companies believe that knowledge is power, and the digital banks vying for the world’s savers are no exception. By offering colorful apps that promise users control over their finances, companies such as Atom, Monzo and Tandem think thatgiving people more information will help them make smart decisions.


But a dark question stalks these ambitions:what if people have no self-control? What if, when told they spend a third of their monthly salary on takeaway coffee, the continue overspending? When it comes to money, sometimes people just don't wnat to know.

但是,一个潜在的问题令这些公司雄心勃勃的计划倍受困扰:如果人们没有自我控制力,情况会如何呢?如果被告知外卖咖啡已经花掉了他们月工资的三分之一后,他们仍旧超支,这又该如何处理呢? 当涉及到钱时,有时候人们就是不想知道真相。

Enter a new breed of sneaky financial apps, which alsocollect information about your spending habits. They don’t, however, bother telling you about them but quietly take action on your behalf. I’m thinking of apps such as Plum and Chip, whichmonitor your spendingand move cash from your current account into your savings when you spend less than usual.


The problem is that they still don’t actually stop you spending. While the digital banks try to horrify you by illustrating your monthly caffeine spend with a neatly drawn pie chart, the sneaky apps just accept that you’re an idiot and get on with the job of saving you from yourself where they can.


For many, thisundercover assistance will be helpful. But for anyone really serious about stopping their coffee habit, there’s a new way. Pavlok — its name inspired byRussian psychologist Ivan Pavlov— is a bracelet that gives you a mild electric shock if you do something you don’t want to do. This method has no interest in your comfort and dignity,only in “allowing you to achieve 100 per cent of your goals 100 per cent of the time” (in the words of its creator).


Pavlok agrees with Chip and Plum’s conclusion thatyou can’t be trusted to make good decisions. More data cannot help you resist Pret coffees but what if someone electrocuted you every time you bought one? Might it work?


Maneesh Sethi, Pavlok’s inventor, admits that people have been slow to catch on to the idea of negative stimuli instead of rewards — although he has sold about 50,000 Pavloks so far. Sethi invented this bracelet because he had what he described as “a severe addiction to Facebook”.In a neat circle, technology is rounding on itself, getting your attention to stop you squandering your attention.

“The thing is, there are lots of positive stimuli in the world, and people get addicted to checking their phones,” says sethi. “With this, your hand reaches in for your phone and it zaps you.”


Intelligent Environments, another tech company, which develops software for large banks, has linked the Pavlok bracelet directly to users’ bank accounts.Tom Stinton, head of product at the company, says technologie such as contac-lessdebit cardsor Amazon buttons areheloping people spend their money more swiffly. But our growing aversion to physical cash means people now find it harder to monitor their spending. For Intelligent Environments, the answer is not a digital bank but an “internet of things bank”.


The “internet of things” is the name given to the fast-growing array of day-to-day objects that can connect to the internet.The commonly used example is afridgethat orders its own milk when you're running low. The Pavlok fits right into this concept but instead of buying you milk, it electrocutes you.


Unfortunately, Intelligent Environment’s clients (ie, large banks) have yet to be persuaded that electrocuting their customers is a good idea. Fear not, though, because Pavlok has found another way to tame your manic profligacy. Its new version can, somewhat worryingly, track your movements and electrocute you if you go anywhere you’re not supposed to (like the coffee shop.)



Butperhapsit’sthelogicalconclusionofthenever- ending clam for our attention and cash. Maybe our willpower is weaker than before, just as our attention spans are shorter, and the pavlok is both the result of a tech-powered information overload and an antidote to it.


ThereisonlyonemoreproblembutSethiseemsto have considred it slready. What if I just decide to take off the bracelet? "We're developing a lock," he replies.