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Influencing Retirement Saving Behavior with Expert Advice and Social Comparison as Persuasive Techniques [chapter]

Junius Gunaratne, Oded Nov
2015 Lecture Notes in Computer Science  
The gap between participants' retirement goal and actual savings was smallest in the expert advice condition and significantly better than the social comparison condition.  ...  We used social comparison and an expert recommendation to examine the relative effectiveness of these methods of persuasion for users making repeated retirement saving decisions.  ...  Given the persuasive pow-er of expert advice and social comparison, we have two hypotheses with respect to how applying these methods of influence will affect the behavior of individuals saving for retirement  ... 
doi:10.1007/978-3-319-20306-5_19 fatcat:yg2b5eyp55d4jmyhwwy75hqtbe

Using interactive "Nutrition labels" for financial products to assist decision making under uncertainty

Junius Gunaratne, Oded Nov
2017 Journal of the Association for Information Science and Technology  
We developed an interactive information label to assist consumers with retirement saving decision-making.  ...  One area where consumers are particularly prone to make costly decision-making errors is long-term saving, which requires understanding of complex concepts such as uncertainty and trade-offs.  ...  Gunaratne and Nov studied retirement saving and how behavioral economic theory (2015b) and persuasive design (2015a) influence saving behavior.  ... 
doi:10.1002/asi.23844 fatcat:ccjdsfw3hjeztpuhiwgnqbg2ri

Using Interactive Information Labels to Assist Decision Making Under Uncertainty: The Case for Long-term Saving [article]

Junius Gunaratne, Oded Nov
2017 arXiv   pre-print
We developed an interactive information label to assist consumers with retirement saving decision-making.  ...  One area where consumers are particularly prone to make costly decision-making errors is long-term saving, which requires understanding of complex concepts such as uncertainty and trade-offs.  ...  Gunaratne and Nov have studied retirement saving and how behavioral economic theory [10] and persuasive design [9] can influence how people save over time.  ... 
arXiv:1507.04961v9 fatcat:c3f2vnxdcrdnzmtomwb2lxiw74

How behavioural science can improve financial advice services

Ivo Vlaev, Jeroen Nieboer, Steve Martin, Paul Dolan
2015 Journal of Financial Services Marketing  
Evidence from the behavioural sciences, notably economics and psychology, has profoundly changed the way policymakers and practitioners view expert advice to consumers.  ...  In this article, we take stock of the behavioural science evidence on financial advice and explore its implications for the profession.  ...  ACKNOWLEDGEMENTS We thank Aviva Ltd UK for their financial support and comments on earlier versions of this article.  ... 
doi:10.1057/fsm.2015.1 fatcat:w2mka5aw3nfdjga5x46jkbhmyq

Retirement Wealth Accumulation and Decumulation: New Developments and Outstanding Opportunities

Olivia S. Mitchell, James F. Moore
1997 Social Science Research Network  
Abstract: Analysts have raised serious questions about current workers' ability and inclination to save enough for retirement.  ...  The Center works closely with industry executives and practitioners to ensure that its research is informed by the operating realities and competitive demands facing industry participants as they pursue  ...  Targets offered by the financial community are again contrasted with behavior, and factors influencing the retirement decumulation process described.  ... 
doi:10.2139/ssrn.39968 fatcat:gy5riu7dvzcktcokmewxvchc2y

Social Care Insurance: A Review of Psychological Influences on Uptake

Ivo Vlaev, Trishna Uttamlal, Laura Kudrna
2020 Frontiers in Public Health  
Psychological motivations (reflective or automatic biases) may also influence consumers' decision-making. Cultural factors such as language barriers and family norms for caring are considered.  ...  Policymakers are interested in what behavioral influences should be considered in the design of insurance products for long-term social care to increase uptake.  ...  ACKNOWLEDGMENTS We thank Professor Mike Kelly (University of Cambridge) and The Adult Social Care Funding Reform team (Department of Health and Social Care) for providing very helpful comments and suggestions  ... 
doi:10.3389/fpubh.2020.564471 pmid:33224914 pmcid:PMC7674604 fatcat:d36pb43vfzegbgq4uwzljqbn4u

Taking Paternalism Out of Nudge: The Case of Medication Nonadherence Among Patients with Chronic Conditions

David Wille, Scott P. King, Sherzod Abdukadirov
2018 Social Science Research Network  
causes, as in the case of medication nonadherence among patients with chronic conditions.  ...  Policymakers' behavioral economics toolbox contains both paternalistic and nonpaternalistic nudges.  ...  Patients generally feel compelled to follow their doctors' advice in what is known as the "white coat" effect. 86 is intervention uses social influence to change the patient's behavior and thus is a nonpaternalistic  ... 
doi:10.2139/ssrn.3211644 fatcat:d44foi7oczgcvlkczpzlhgmyya

A User's Guide to Debiasing [chapter]

Jack B. Soll, Katherine L. Milkman, John W. Payne
2015 The Wiley Blackwell Handbook of Judgment and Decision Making  
as expert advice (McKenzie, Liersch, & Finkelstein, 2006) .  ...  Many successful repairs are social, taking advantage of word-of-mouth, social influence, and effective group processes that encourage and capitalize upon diverse perspectives.  ... 
doi:10.1002/9781118468333.ch33 fatcat:rugghouglva6xk7dfnfzgv6j6y

Understanding pension communications at the organizational level: Insights from bounded rationality theory & implications for HRM

Maureen Maloney, Alma McCarthy
2017 Human Resource Management Review  
This information explains the expected pension benefits that will be received at a choice of retirement ages and influences decisions about changing savings rates and possible retirement dates.  ...  Some researchers believe that the structural approach, specifically defaults, is the "main alternative to education as a method of influencing decisions about retirement saving plans… in a way that will  ... 
doi:10.1016/j.hrmr.2016.08.001 fatcat:dxzinmko45gwtpnhbessbolxpy

The Separation of Intelligence and Control: The Retirement Savings Crisis and the Limits of Soft Paternalism

Jacob Hale Russell
2014 Social Science Research Network  
The migration of American retirement savings from centralized, riskpooling structures (Social Security and pensions) toward individual retirement plans (401(k) plans and other tax-favored, individually  ...  When a domain is rife with conflicts of interest-as in the allocation context-soft-touch strategies fare poorly.  ...  Retirement System Along with Social Security and private savings, employer-sponsored retirement accounts form the so-called "three-legged stool" of the American retirement savings system. 17 Employer-sponsored  ... 
doi:10.2139/ssrn.2404183 fatcat:lxmia56q25h7fbhtrxlp6iuy7q

Nudges for Privacy and Security

Alessandro Acquisti, Manya Sleeper, Yang Wang, Shomir Wilson, Idris Adjerid, Rebecca Balebako, Laura Brandimarte, Lorrie Faith Cranor, Saranga Komanduri, Pedro Giovanni Leon, Norman Sadeh, Florian Schaub
2017 ACM Computing Surveys  
Advancements in information technology often task users with complex and consequential privacy and security decisions.  ...  It focuses on research on assisting individuals' privacy and security choices with soft paternalistic interventions that nudge users towards more beneficial choices.  ...  Nudging techniques should respect ethical norms applicable to persuasion.  ... 
doi:10.1145/3054926 fatcat:sbo3puzlefbx3pftck56s3xvay

On the discursive self-construction of expats, behavior and values

Marianna Lya Zummo
2018 Scripta Manent  
I consider the occurrence of an Us as opposed/assimilated with a Them in the expression of values, behaviors and spaces by analyzing a corpus made up of articles taken from the most accessed travel webzines  ...  Then I analyse the thematic structures and techniques of this textual typology. The paper may help to address pedagogical issues such as critical genre awareness and identity construction.  ...  Since the language persuades and seduces (Dann, 1996) through certain discursive techniques that are based on authority and persuasion, certain strategies (namely comparison, testimony, ego-targeting  ... 
doaj:413824ca3aa04a3c9c3ea84102b1a305 fatcat:iu37zmbalzhvlnuffowchrjgui

Don't be afraid! Persuasive Practices in the Wild

Mateusz Dolata, Gerhard Schwabe
2018 Computer Supported Cooperative Work (CSCW)  
This paper explores how persuasive technology transforms advice giving, a collaborative scenario involving an expert and a layperson.  ...  This paper explores how persuasive technology transforms advice giving, a collaborative scenario involving an expert and a layperson.  ...  Special gratitude to those who agreed to observations, shared their insights and observations with us, spent hours on discussing the issues, or helped us with formal issues.  ... 
doi:10.1007/s10606-018-9330-4 fatcat:a4av4zityfasbhb652apkldcba

Trying differently: A relationship-centered approach to representing clients with cognitive challenges

David M. Boulding, Susan L. Brooks
2010 International Journal of Law and Psychiatry  
who is an international expert on Fetal Alcohol Spectrum Disorder and other Neuro-Behavioral Disorders (FA/NB).  ...  The article developed out of a series of workshops conducted jointly by the co-authors, an American law professor with a social work background, and a Canadian criminal defense lawyer and family mediator  ...  persuasive source is the now-retired Dr.  ... 
doi:10.1016/j.ijlp.2010.09.015 pmid:20888044 fatcat:idarllritfgv3p2vbuiesoxt7q

The Influence of Knowledge and Persuasion on the Decision to Adopt or Reject Alternative Fuel Vehicles

Amy Fry, Tim Ryley, Robert Thring
2018 Sustainability  
This paper examines the influence of knowledge and persuasion on the decision to adopt or reject alternative fuel vehicles, a novel and original application of Rogers' Theory of Diffusion of Innovations  ...  where they can successfully compete with conventional fuel vehicles.  ...  T.R. and R.T. provided the resources and project supervision. A.F. conducted the original writing.  ... 
doi:10.3390/su10092997 fatcat:i6oeo5bae5hqphqxaa2c7vcbd4
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