2025 Summer Institute: Buy Now, Regret Later? Teaching Students Smart Digital Spending

In a world of one-click purchases, influencer promos, and Buy Now, Pay Later apps, students face an increasingly complex digital marketplace. This session explores how to help students become thoughtful, informed consumers by understanding the psychology behind brand loyalty, digital marketing, and spending incentives. We’ll break down how influencer culture, targeted ads, and payment tech shape decision-making—and offer frameworks to guide students in evaluating financial choices critically. Learn how to foster digital financial literacy through engaging, real-world lessons that empower students to resist impulse, understand long-term consequences, and make smarter spending decisions online.