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Crime, RetailOnline Retail

Retail survey confirms consumers are changing spending habits and justify deviant behaviours to relieve cost-of-living pressures

Monash University 3 mins read

The latest Cost of Living and Consumer Deviance Spotlight report, from Monash Business School’s Australian Consumer and Retail Studies (ACRC) group, provides shocking context to the cost-of-living crisis experienced by consumers.The key findings from the report indicated that consumers have changed their spending habits to alleviate financial pressure and can justify certain deviant behaviours. 

Many Australians are offsetting increases to non-discretionary spending (e.g., housing, essential groceries, insurance) with decreases in discretionary spending (e.g., restaurant and takeaway meals, clothing, footwear and accessories) to meet the current costs of living. 

Lead researcher, Stephanie Atto from ACRS, said the study asked shoppers about consumer confidence, non–discretionary and discretionary spending, and the justifiability of a range of behaviours given the current economic conditions.

“We wanted to understand if and how consumers are changing their spending habits to relieve these financial pressures, and how justifiable certain deviant behaviours such as retail theft, are to consumers in the current climate,” Ms Atto said. 

Over a quarter of consumers surveyed believed that blatant forms of retail theft were ‘a little’ to ‘completely’ justifiable including these specific behaviours:

  • ‘Taking an item without paying’ (28 per cent),
  • ‘Changing price tags on products’ (30 per cent),
  • ‘Not scanning some items when using a self-checkout terminal’ (32 per cent),
  • ‘Scanning items as cheaper items when using a self-checkout terminal’ (37 per cent).

“Fears of opportunistic consumers have been growing amongst retail businesses who not only face the issue of decreasing consumer spend but also the need to be wary of consumers looking to save money through more deviant means.”

The survey identified that older consumers (55+ years of age), considered retail theft behaviours as ‘not at all’ justifiable compared to other age groups. While significantly more younger consumers (18–34 years of age) indicated that forms of theft are ‘a little’ to ‘completely’ justifiable. 

More specifically, 93 per cent of older consumer said ‘taking an item without paying for it’ was ‘not at all’ justifiable, compared to only 47 per cent of younger consumers. The remaining 53 per cent of younger consumers felt it was ‘a little’ to ‘completely’ justifiable. Similarly, ‘changing price tags on products’ was ‘not at all’ justifiable to 90 per cent of older consumers compared to 45 per cent of younger consumers.

The findings also indicate consumers are pessimistic about their current and future personal finances, as well as expectations of future business conditions. 

Fifty per cent of consumers reported that they are financially worse off compared to a year ago, while two out of five consumers (42 per cent) indicated it is a bad time to buy big ticket items such as furniture, refrigerators, and televisions. 

“Much of the consumer financial pessimism and changes in spending habits has been attributed to inflation and expectations of ongoing rate increases, which will need to abate before any significant changes to consumer confidence can be seen,” Ms Atto said.

Amongst all age groups, consumers aged 35–54 were the most pessimistic about their current financial situations. With 57 per cent of those aged 35 to 54 years reported being financially worse off compared to last year.

Additional results from the report show that 77 per cent of consumers expect to be in the same financial position or worse off in the next 12 months. Nearly half of consumers (49 per cent) expect poor business conditions over the next 12 months and over a third (37 per cent) expect poor business conditions over the next five years. 

To learn more about the Cost of Living and Consumer Deviance Spotlight report, please visit:
ARCS website

- ENDS -


Stephanie Atto, Australian Consumer and Retail Studies, Monash Business School 



Loretta Wylde

Monash University

Media and Communications


T: +61 (0) 432 123 106


Monash Media

T: +61 (0) 3 9903 4840


For more Monash media stories, visit our news and events site 

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