Nudging is the Architecture of Choice in the World of Banking
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Abstract
A nudge is a prompt that helps people adopt a desired behavior. Subtle signposts or slight changes in our environment can have a major impact on our choices and behaviors. So, when banks communicate the advantages of retirement savings in their branch windows or on their website, they encourage people to increase the amount they actually save for retirement simply because these prompts and messages are more visible to them. The aim of targeted nudges in our lives, environments, habits, and processes is to achieve better decisions and outcomes.
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Since mid-February of 2023, the authors retain the copyright relating to their article and grant the journal RAC, from ANPAD, the right of first publication, with the work simultaneously licensed under the Creative Commons Attribution 4.0 International license (CC BY 4.0), as stated in the article’s PDF document. This license provides that the article published can be shared (allows you to copy and redistribute the material in any medium or format) and adapted (allows you to remix, transform, and create from the material for any purpose, even commercial) by anyone.
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References
Thaler, R. & Sunstein, C. (2008). Nudge: Improving decisions about health, wealth, and happiness. London: Penguin Books.