Retailers Hate That You Buy Big Things on Your Laptop

Shoppers want to make significant purchases on their laptops. Retailers really want them to do more on their phones.

Lately, the retailers are winning more often.

Mobile e-commerce has for years been hailed as the future of shopping . Online shops as well as airlines and hotels have upgraded and pushed apps or mobile-optimised websites as a way to get our attention—and access to our wallets. By using push notifications , mobile-only deals and other levers, vendors can tempt customers to make quick, unplanned purchases.

It’s finally working, as this past holiday season was the first time mobile-revenue share surpassed desktop, reaching 61% on Christmas Day, according to data from Adobe .

But that increase masks what shoppers say they want, particularly when it comes to large purchases. They often call these “big-screen purchases”—shopping done on computers. You might not like a retailer’s app or mobile website. You might prefer a web browser with extensions that track coupons or price changes. You might just want a second window open to check a calendar or a map.

And the laptop’s extra friction makes shoppers more careful: Many people say they have moved too fast on a phone, accidentally buying the wrong plane tickets.

As more companies amp up their mobile offerings to lure more shoppers away from their laptops, it’s good to be aware of the differences, especially if it could mean saving money.

Highflying purchase

Amanda Natividad, a 38-year-old vice president at a Los Angeles marketing startup, says she always opens her laptop before making a purchase.

She uses browser extensions to search for coupons and maximise credit-card benefits. It’s also easier for her to fill in her credit-card information with her computer in front of her and her password manager on hand, she says. And she can more easily double-check her calendar when booking flights.

“It’s just an old ingrained behaviour,” Natividad says. “It’s a flight, better use my computer for this.”

Many people tend to be on their phones while they’re distracted or in transit, but they use their computers when they’re at home or in the office, making it easier to focus, says Tim Calkins, a professor of marketing at Northwestern’s Kellogg School of Management.

“If you’re thinking about taking a vacation, early on you might be browsing through lots of different options and thinking generally about all the wonderful places you can go,” he says. “It is a very different mindset when you’re ready to spend thousands of dollars on booking the actual trip.”

Chasing convenience

Sarah Baicker, a 39-year-old content-marketing and communications manager in Washington Crossing, Pa., feels comfortable using her phone for almost every task or purchase, especially now that she’s chasing around a 2-year-old daughter. She booked a flight on the JetBlue app on New Year’s Day when she realised some credits were expiring.

“Sometimes it’s more annoying to make a purchase on a phone—that doesn’t bother me,” Baicker says. “I’m not bothered by a little bit of extra work for the sake of the convenience of not having to track down a secondary piece of technology.”

Companies have worked to make mobile purchases even easier. Services such as Apple Pay, Google Pay or Shop Pay automatically add in our billing and shipping information to our orders. If we’re shopping in an app, we’re usually already logged in and don’t have to dig up our credentials. (These are also available on laptop browsers, but they function smoothly within many mobile apps and shopping websites.)

Mobile shopping also scratches an itch for consumers who are scrolling their social-media feeds, with endless posts and stories shilling products to buy. When it comes to impulse shopping, 48% of people are likely to do so on a phone, compared with 19% on a laptop and 10% on a desktop, according to Slickdeals, a website that tracks sales and coupons.

The convenience factor seems to be working for many companies. In 2023, people shopped for flights on the United Airlines app 123 million times, a 23% increase from the year before, says a United spokeswoman. On Airbnb , 54% of total nights booked last quarter were done on the app, up from 49% booked during the same period a year ago, the company reported in its most recent quarterly earnings.

HotelTonight, which is owned by Airbnb, has long been a mobile-first company, with more than 90% of bookings happening on the app, and with some deals only available on mobile, says Ron Sandel, general manager of HotelTonight.

“At the end of the day, we’re a last-minute booking app. If you’re booking on the go—like so many of our users often are—you’re not pulling your laptop out to do that,” Sandel says.

A wider view

Though mobile shopping is becoming more popular, it still can’t make up for a bigger screen.

Logan Medeiros, a 23-year-old lifestyle and beauty content creator in Montreal, always pulls up her laptop to make a large purchase—such as her latest trip to Vancouver, Canada. The bigger screen makes it easier to open multiple tabs to compare hotels and flights.

That extra display real estate also prompts her to use her laptop for other purchases, such as buying clothes.

And more-mindful shoppers use their laptops to prevent impulse buys.

Alexander Lewis, a 31-year-old ghostwriter for tech companies and executives in Austin, Texas, set rules for himself to follow before buying anything online, such as mostly purchasing on a laptop and waiting at least a day before making the final call.

He says when he gets back to his cart, he often wonders whether he actually wants to read a book or own an article of clothing he saved.

“Having the internet always around us is an easy way to mindlessly spend our attention and also spend our money,” Lewis says.

The best financial advice many Australians are receiving right now is not coming from licensed advisers charging by the hour. It is coming through a phone screen, in the ten minutes between work and dinner, from creators who have built credibility the hard way: by being right, being transparent, and being specific in a space where vagueness has always been the easy default.

This is not a ranking by follower count. Follower count is a measure of distribution, not of quality. What follows is a ranking by substance — credentials, accuracy, community depth, and the quality of what an audience actually learns from following these accounts. The distinction matters, because the Australians acting on this content are making real financial decisions with real money.

1- Queenie Tan – Corporate Authorised Representative; Co-Founder & Director, Invest With Queenie & Billroo

There are finance influencers who talk about building wealth, and there are those who document it in real time with receipts. Queenie Tan belongs firmly in the second category. Starting from a $400-per-week income, Tan built her net worth past $1 million while publishing the actual numbers — income, savings rate, investment decisions — for an audience of more than 400,000 across platforms.

She is a Corporate Authorised Representative, co-founder of the personal finance app Billroo, and the author of a book that has become a practical reference for young Australians navigating ETFs, superannuation and property. What separates her from the crowded field of money educators is precision: she does not talk in principles when she can talk in percentages.

2- Alan Kohler – Editor-in-Chief, Eureka Report; Editor-in-Chief, InvestSMART Group; ABC News finance presenter, host of Inside Business.

If Queenie Tan represents the new wave of personal finance creators, Alan Kohler represents something the new wave will spend decades trying to build: institutional credibility that has survived multiple economic cycles. As Editor-in-Chief of the Eureka Report and InvestSMART Group, and a decades-long presence on ABC News, Kohler has spent more than thirty years making financial analysis accessible without dumbing it down.

His coverage of RBA decisions, market movements and economic policy is cited by podcasters, journalists and fund managers alike. He is not chasing virality. He does not need to.

3- Aleks Nikolic – Corporate lawyer; host, Big Swinging Stocks podcast

Most finance creators address the mechanics of money. Aleks Nikolic addresses the psychology — and that distinction explains why her following is as loyal as it is. Operating as Broke Girl Wealth across Instagram, TikTok and YouTube, Nikolic covers ETFs, crypto and investment strategy, but her real differentiator is a willingness to discuss the emotional architecture of financial decision-making.

Shame around debt. Fear around market volatility. The limiting beliefs that stop people acting on what they already know. In a space where confidence is routinely performed, her candour is a genuine competitive advantage.

4- Bryce Leske & Alec Renehan – Equity Mates Media

Equity Mates did not build a following. They built a media company. What began as a podcast by two friends learning to invest has grown into Australia’s most established investing media brand, covering ASX stocks, ETFs, global markets and fund manager interviews across podcast, social and YouTube.

The longevity is the credential. Equity Mates has operated through multiple market cycles, a global pandemic, and a generational shift in how Australians engage with investing — and its audience has grown through all of it. When the hosts speak, their listeners know they have been paying attention for years.

5- The Lazy CEO – CEO & Founder, Showpo; Shark Tank Australia investor

The metric that matters most on social media is not followers — it is engagement, because engagement signals trust. Jane Lu, known as The Lazy CEO, maintains an engagement rate of approximately 1.15 per cent on Instagram, which is exceptional for a finance account of his size. Her 242,000-plus followers are not passive consumers: they ask questions, share experiences and apply what they read.

Her content focuses on business finance and wealth building, and the active comment sections are the clearest possible evidence that her audience does not merely scroll past.

6- Tash Invests – Founder, Tash Lends; Forbes Australia 30 Under 30

Tash Invests built her following on a premise that sounds simple but is rarer in practice than it should be: she publishes the actual numbers. Not approximations or ranges or anonymised case studies — her salary, her savings rate, her portfolio value, her net worth, updated and on the record.

Having bought her first property at twenty-two and grown her documented net worth past $1 million, she has become the primary reference point for young Australians trying to understand what building wealth on a moderate income genuinely looks like. The specificity is the product.

7- David Scutt – APAC Market Analyst at StoneX Group

The authority of most finance social media content rests on research and reading. David Scutt‘s authority rests on having done the job. A former Treasury Dealer at Arab Bank and the Commonwealth Bank, former ASX Business Supervisor, and former Global Markets Editor at Business Insider Australia and anchor at ausbiz TV, Scutt now brings that direct market experience to his role as APAC Market Analyst at StoneX Group, rather than relying on secondary commentary.

When he discusses foreign exchange movements or ASX dynamics, it is not because he has read about them. It is because he has traded them.

8- Meddy Demars – Investing & crypto content creator

The gap Meddy Demars fills is specific and underserviced: connecting global macroeconomic events to the practical reality of Australian investors. When the US Federal Reserve adjusts interest rates, when inflation data moves, when commodity prices shift — most Australian finance content either ignores the local implications or translates them poorly.

Demars, operating across TikTok and Instagram from Sydney, does the translation well: explaining what global conditions mean for Australian stocks, savings rates and investment portfolios in terms that are accessible without being condescending.

9- Simran Kaur – Founder, Friends That Invest

Friends That Invest is arguably the most successful community-building exercise in Australian personal finance, and Simran Kaur is the reason why. The New Zealand-based creator — whose audience is predominantly Australian — built a podcast, a book and a social media presence around a single insight: that the personal finance world was not speaking to young women, and that the consequences of that gap were significant.

The measurable cultural shift that followed — women engaging with investing concepts in communities that had not previously existed — is the kind of impact that most financial literacy programmes aim for and rarely achieve.

10- Effie Zahos – Money Editor at 9News

Effie Zahos is one of Australia’s most recognised financial commentators, appearing regularly across 9News, A Current Affair, Today and Today Extra as 9News Money Editor. Her role puts everyday money questions, from mortgage rates to cost-of-living pressures, in front of a national broadcast audience.

Before television, she spent years as editor of Money magazine, building the editorial foundation for her current commentary. She is also Director and Money Commentator at InvestSMART, an ambassador for Canstar, and a published author, with her financial advice available in print as well as on screen.

That combination, decades of editorial experience, an active broadcast presence, and a body of published work, is what makes her commentary carry weight beyond any single platform or post.

The common thread across this list is not follower count or platform presence. It is that each creator has built an audience willing to act on what they say, and for the Australians making financial decisions off the back of this content, that trust is the only thing that actually matters.

Retailers Hate That You Buy Big Things on Your Laptop

People often prefer bigger screens and keyboards for pricier purchases—but merchants have more levers to pull on mobile

Highflying purchase

Chasing convenience

A wider view

The voices reshaping how Australians think about money — and why credibility matters more than reach.