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Latest news on financial health.

Latest news on financial health.

Stay up to date about TFI’s calls for research proposals and research related events.

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The Household Finance Survey of Project HYBRID

A TFI research project by Rob Alessie, Ian Bright, Michael Haliassos, Tullio Jappelli, Christiana Sintou and Bart van Leeuwen

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The effects of robo-advisers on stock market participation and household investment behavior

A TFI research project by Vincent Skiera

The art of the nudge

If you want to nudge someone in the right direction psychologically, you need to understand what makes them tick. Bo van Grinsven and her team are helping the scale-ups in TFI’s accelerator programme to master these crucial skills. How? By getting them to do the last thing they would have expected at this stage: slow down.

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Scale-ups in the spotlight

Find yourself spending on autopilot when shopping online? Quinn can help you take control, to spend less and save more. Founder Garrett Meccariello explains how.

Money Coach Overview

Scale-ups in the spotlight

MoneyCoach helps people get their finances in shape and build money muscles.

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Scale-ups in the spotlight

One quick and easy way to save money is to cut your regular household expenses. But most people never get around to it. Founder Joran Iedema explains how Dyme does that for you, to make getting – and staying – on top of your finances automatic.

Scale-ups in the spotlight

Monkee makes saving money fun, easy and exciting

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Gamification Can Help Consumers Reach Their Saving Goals

A TFI research project by Nethal Hashim, Irene Scopelliti, Janina Steinmetz

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Grocery shopping in times of crisis: do income and wealth drops make consumers switch to cheaper products?

By Calogero Brancatelli, Adrian Fritzsche, Roman Inderst

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Income prediction bias in the gig economy

A TFI Research project by Ray Charles “Chuck” Howard, David J. Hardisty, and Dale W. Griffin

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How financial literacy and reflection can prepare you for challenging times

By Ozan Isler, Onurcan Yilmaz & Uwe Dulleck

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Mapping the Customer Journey of the New Generation of Payday Borrowing

A TFI research by Ronnie Das, Robert de Boer, and Frederik Situmeang

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Analysis and discussion of the implications of financial markets for the dynamics of inequality

A CEPR-TFI online webinar on Finance and Inequality, organised by Laurent Calvet (EDHEC and CEPR), 14 April 2021

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TFI Consumer Research report on Financial Health

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Impressed by numbers: the consumer bias towards precise numerical information in a context of uncertainty

A TFI research project by Eleonore Batteux, Avri Bilovich, Samuel Johnson, David Tuckett

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Incubator update

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Kick-off Scaling Program 2021

At the beginning of April, the Think Forward Initiative kicks-off the ‘2021 Scaling Program’

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No transaction, no risk? The influence of financial literacy on going guarantor

By Elisabeth Beckmann, Christa Hainz, Sarah Reiter

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Financial education for kids made easy & fun!

Play Money Talk during Global money week; at home or at school

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The impact of education on savings and financial behavior

A TFI research project by Abdurrahman B. Aydemir

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Can a personalized price comparison tool improve consumers’ choices in the market for personal loans?

By Erik Berwart, Sean Higgins, Sheisha Kulkarni & Santiago Truffa

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The effect of access opportunities on spending versus saving

A TFI research project by Baris Depecik and Ozgun Atasoy

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Privacy Risks, Personal Customer Environments, and The Use Of Financial Support Tools

A TFI Research Project by Benedict Dellaert, Joris Demmers, and Kristian Rotaru

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Mind the app! Financial education and the lights and shadows of financial digitalisation

By Carmela Aprea & Tabea Bucher-Koenen

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Living gig to gig and paycheque to paycheque: How income volatility affects financial decisions

A TFI research project by Johanna Peetz and Jennifer Robson

Increasing pension engagement through personalized communication

By Emir Efendić, Lisa Bruggen and Mark Graus

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Gender gap in financial literacy and within household specialization

A TFI research project by Maddalena Davoli and Jia Hou

What happened during TFI’s Summit 2020

Watch the talks and download the presentations

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Financial inequality within couples: how does it affect financial risk-taking?

A TFI research project by Dimitris Christelis, Dimitris Georgarakos and Tullio Jappelli

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A financial check-in with your partner: the ideal Christmas gift

By Grant Donnelly, Ximena Garcia-Rada, Hristina Nikolova, Michael Norton & Jenny G. Olson

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How gamification can help consumers reach their savings goals

By Nethal Hashim, Irene Scopelliti and Janina Steinmetz

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Using robo-advisers as commitment devices

A TFI research project by Alexia Gaudeul and Caterina Giannetti

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Budget depreciation: when budgeting early increases spending

A TFI research project by Yuna Choe and Christina Kan

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The next TFI Call for Research Proposals is expected to be promoted from the Summer of 2021

Register now for our Think Forward Initiative 2020 Summit

The virtual Summit takes place on 17th December

How do we define financial health?

Dynamic budget monitoring: when access to budget feedback leads to increase in spending

A TFI research project by Anastasiya Pocheptsova Ghosh & Liang Huang

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Paving The Way Forward For A Financially Healthy Society

Takes place on 17th December - Registration Now Open!

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Cancer and portfolio choice: evidence from Norwegian register data

A TFI research project by Trond Doeskeland & Jens Kvaerner

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Insuring Longevity Risk While Having Multiple Saving Accounts

A TFI research project by Abigail Hurwitz & Orly Sade

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How convoluted language affects the way consumers understand and purchase financial products

A TFI research project by Mario Kienzler, Kinga Barrafrem & Daniel Västfjäll

How misleading certainty affects consumer trust and confidence

by Eleonore Batteux, Avri Bilovich, Samuel Johnson and David Tuckett

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Why it’s hard to predict gig income

by Chuck Howard, David Hardisty, & Dale Griffin

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Think Forward Initiative Named 'Most Empowering Financial Decision Making Initiative'

TFI wins new award in Acquisition International Magazine's Worldwide Finance Awards 2020

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What can behavioral economics contribute to tackle the threat of climate change?

Virtual Launch Event for the 2020 Behavioral Economics Guide

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Self-control, future time perspective and savings - the keys to perceived financial well-being

A TFI research project by Leonore Riitsalu & Fred van Raaij

Borrowing in response to windfalls

A TFI research project by Arna Olafsson & Michaela Pagel

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Quinn’s pitch at the Dutch Ministry of Finance

Looking for new collaborations with researchers and organisations in the financial domain.

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Understanding the new generation of payday borrowing

by Ronnie Das & Jane Brown

Event

Behavioral Economics Guide 2020 Launch

What can behavioral economics contribute to tackle the threat of climate change?

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Climate Change - Financial Implications for Households

A TFI-CEPR webinar event September 9 2020

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Commission bans spur portfolio efficiency and trust in financial advice

A TFI research project by Steffen Meyer & Charline Uhr

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Meet Minna's CEO

We catch-up with 2019 Accelerator Hub start-up CEO, Joakim Sjöblom, to find out how things are going at Minna Technologies - an ingenious subscriptions management service.

How do robo-advisers invest, and what can we learn from them?

by Vincent Skiera

Covid-19: online & more sustainable consumption becoming priority for many Europeans

A TFI survey of 5,000 people across five countries

How formal education may influence financial behaviour

By Abdurrahman Aydemir

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Covid-19 tracking apps: the trade-off between personal data and public health

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How budgeting app users may overspend rather than save

By Anastasiya Pocheptsova Ghosh & Liang Huang

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Saving - or not - in a world of immediate access opportunities

By Ozgun Atasoy and Baris Depecik

Gender gap in financial literacy: does it matter who wears the trousers?

by Maddalena Davoli & Jia Hou

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Financial risk-taking and differential bargaining power within households

by Dimitris Christelis, Dimitris Georgarakos & Tullio Jappelli

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Relaxed Covid-19 restrictions

Why they are made not to stick

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How does financial distress relate to mental health?

A TFI research project by Olga Goldfayn-Frank & Yuri Pettinicchi

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Insuring longevity risk while having multiple savings accounts

by Abigail Hurwitz & Orly Sade

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How budgeting ahead may increase spending

by Yuna Choe & Christina Kan

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Feeling safe and in control: how privacy cues impact financial decisions

by Joris Demmers, Benedict Dellaert & Kristian Rotaru

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COVID-19 IS IMPACTING THE SAVINGS, SPENDING, AND SUMMER HOLIDAYS OF EUROPEANS

A TFI survey of 5,000 people across five countries

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Are older households turning into the landlords of the youth?

by Pedro Gete & Athena Tsouderou

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Share then chuck

The unforeseen consequences of sharing

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How negative health shocks affect financial choices

by Jens Sørlie Kværner, Trond Døskeland & Kari J. Kværner

Computational social science: addressing the (post) covid-19 reality

Webinar on Wednesday 24 June 2020

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Borrowing in response to windfalls

by Michaela Pagel & Arna Olafsson

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The impact of price comparison tools for consumer credit on financial decision-making

Meet the researchers: Erik Berwart, Sean Higgins, Sheisha Kulkarni & Santiago Truffa

Buying a financial product? Beware of convoluted language

By Mario Kienzler, Kinga Barrafrem & Daniel Västfjäll

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Boosting financial well-being with self-control and future time perspective

by Fred van Raaij & Leonore Riitsalu

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"Honey, let's talk about money"

by Grant E. Donnelly, Ximena Garcia-Rada, Hristina Nikolova, Michael I. Norton & Jenny G. Olson

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How households adjust purchases and consumption to income and wealth shocks

Meet the researchers: Roman Inderst, Calogero Brancatelli & Adrian Fritzsche

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Translating Behavioral Science Insights into Action: The Story of Quinn

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The importance of fair algorithms for consumer trust

Tim Draws, Benjamin Timmermans & Monique van Maare

Intergenerational transmission of saving propensity

Meet the researchers: Philippe D'astous, Pierre-Carl Michaud & Gaëlle Simard-Duplain

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Commission bans - do private investors benefit?

by Charline Uhr, Steffen Meyer, Andreas Hackethal & Benjamin Loos

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Can Big Data improve households’ welfare?

A virtual CEPR-TFI event on May 7 2020

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Growth Track Demo Day

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How the sharing economy influences American households

By Tingting Nian & Vijay Gurbaxani

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For richer, for poorer: financial shocks, within couple insurance and debt

Meet the researchers: Arna Olafsson, Dan Silverman & Leandro Carvalho

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Pay now and consume later to help local businesses survive the economic slowdown

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Optimal financial investments over the life cycle

By Christopher Carroll and the Econ-ARK Team

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How to cope mentally and practically when you are stressed after a sudden financial shock

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Third-party guarantees - the role of financial knowledge and social norms

Meet the researchers: Christa Hainz, Elisabeth Beckmann & Sarah Reiter

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GetReady: A simulator for training financial preparedness under resource scarcity

Meet the researchers: Uwe Dulleck, Ozan Isler & Onurcan Yilmaz

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Growth Track: Delivering unparalleled value

What you need to know about the Growth Track programme

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Are you in a financial emergency situation due to the Coronavirus pandemic?

Here are ten steps to prioritize

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“Money on my mind": The dynamics of financial worry

Meet the researchers: Bert Schreurs, Ruud Gerards & Riccardo Welters

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Practical solutions to financially navigate the coronavirus outbreak

The TFI start-ups are here to help you manage your money the best way possible

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Covid-19 impact on Financial Health

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Living gig to gig and payslip to payslip

by Johanna Peetz & Jennifer Robson

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Where do financial habits come from?

by Shabnam Mousavi

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The consumer bias towards deceptively precise financial projections

by Eleonore Batteux, Avri Bilovich, Samuel Johnson and David Tuckett

Tackling 5 scaling challenges most startups face

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How much money will you earn (and spend) next week?

by Chuck Howard, Dale Griffin and David Hardisty

Do the wealthiest of us enjoy the highest financial well-being?

by Leonore Riitsalu & Fred van Raaij

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Equality in joint savings and inequality in individual savings within families

A TFI research project by Merike Kukk & Fred van Raaij

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Financial literacy and attitudes to cryptocurrencies

A TFI research project by Georgios Panos and Tatja Karkkainen

Behavioural Nudging And Decision Making Comms Blog Tfi Channels

Everyone needs a nudge once in a while

We’ve now reached the time in our Growth Track program to work with our Think Forward Initiative start-ups to learn about nudging and financial decision making.

Is it time to take the next step in your relationship?

Roses are red, violets are blue, joint accounts may be better for you.

Improving people's decision-making skills in finance and health care

an interview with 3 winners of the SABE | TFI award by Jeremy Gaunt

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Do people keep track of their money?

by Shabnam Mousavi

Supercharge Your Sales Through Growth Hacking

The Growth Track is into its third month of the program. The start-ups and their mentors are now focusing on Growth Hacking and sales optimization.

Tech For Good

The Think Forward Initiative shared their passion for using technology to drive innovation in the space of financial health at the recent AWS Re:Invent 2019 Fair in Las Vegas.

Empowering people to better forecast their future expenses and savings: the role of risk information

A TFI research project by Dilek Önkal, Wasim Ahmed & Shari de Baets

Immersive VR technologies: Not always the best option for our saving behaviour

A TFI research project by Andrea Weihrauch &Tobias Schlager

The true meaning behind gift giving

Have you ever wondered why we give gifts, and what makes the ‘perfect gift’? One of the Think Forward Initiatives leading researchers, Laura Straeter, reminds us all that Christmas is more than what we buy at the store.

The new research projects that will help us make a difference

We are excited to announce the 2019 winners of the Think Forward Initiative’s call for research proposals (long-term and short-term).

What you need to know when it comes to technology & legal challenges

Last Friday, marked the second phase of the five month Growth Track Program and we were talking about all things technological and legal.

Getting research insights into the hands of change makers

The Think Forward Initiative is currently piloting a Research Database that provides actionable insights that will help lead the way to producing great innovations and communication initiatives.

Persistent chasing of past performance when selecting mutual funds

A TFI research project by Leonardo Weiss-Cohen, Philip W.S. Newall & Peter Ayton

Fostering old-age saving under incomplete rationality

A TFI research project by Krzysztof Makarski, Artur Rutkowski, & Joanna Tyrowicz

Black Friday + Cyber Monday = Broke Tuesday

The Think Forward Initiative would like to encourage you to ‘think forward’ this Black Friday weekend. Make sure that you spend wisely and don’t forget about your long-term savings goals.

IBM joins Think Forward Initiative to help 100 million people make better financial decisions

Shoes, concert tickets, electronics… These are only a few of the increasing number of things we buy online.

How To Master Your Start-up’s Growth Strategy?

This is the question on many lips at this week’s Think Forward Initiative (TFI) Growth Track Kick Off.

What if FinTech actually made us save less?

by Anastasiya Pocheptsova Ghosh & Liang Huang

Saver See, Saver Do

A TFI INNOVATION AND RESEARCH COLLABORATION

The effect of income volatility on financial well-being

by Johanna Peetz & Jennifer Robson

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Dutch Minister of Finance urges institutions to work together

Wobke Hoekstra, Minister of Finance NL signals the importance of financial and knowledge institutions to work together to make a positive impact on the financial lives of Dutch consumers.

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Do you have your head in the sand?

Through the eyes of a remarkably quirky looking ostrich, the Think Forward Initiative (TFI) launched a consumer awareness campaign that encourages you to make better financial decisions.

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Let’s start-up the Growth Track Engine

We are happy to announce the 8 start-ups that were selected for our 2019 Growth Track program.

Effective financial education for entrepreneurs

A TFI research project by Catalina Estrada-Mejía, María Piedad Valero, and Daniela Castaño

Timing is everything: How to stimulate debtors to pay up

A TFI research project by Gea Schonewille, Minou van der Werf and Dörthe Kunkel (Nibud)

An exploratory spatial analysis of access to physical and digital retail banking channels in the UK

A TFI research project by Andra Sonea, Weisi Guo, and Stephen Jarvis

What’s wrong with how we’re investing for retirement, and can Robo-Advisers help us improve?

by Vincent Skiera

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Why have we become so bamboozled by numbers?

by Shabnam Mousavi

146 and counting

The Think Forward Initiative’s call for research proposals is now closed. The selection results will be announced on December 16, 2019

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BigTechs and Fintechs in Financial Services

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Addressing the challenge of problematic debt: Australia and Eurozone

A TFI research project by Daniel Richards, Abdullahi Ahmed, and Muhammad Tahir

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A social norm nudge to save more

A TFI research project by Robert Dur, Dimitry Fleming, Marten van Garderen and Max van Lent

Better financial behaviour and wellbeing starts with your start-up!

Financial empowerment starts with you

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The effect of coins on spending

A TFI research project by Jay Zenkić, Kobe Millet, and Nicole Mead

Meet the Researcher: Vincent Skiera

When mental health affects financial decisions

by Olga Goldfayn-Frank & Yuri Pettinicchi

Reducing financial hardship by establishing contact

A TFI research project by Felix Uhl, Claartje ter Hoeven & Marieke Fransen

When homeownership and housing prices are no longer in sync

by Pedro Gete & Athena Tsouderou

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TFI nominated for Ethical Corporation's Responsible Business Awards

by Megan Roelofs

Man, Machine & Money

A TFI knowledge sharing session

Peerby brings tools and people together

by Megan Roelofs

Timing is everything: how to stimulate debtors to pay up

By Gea Schonewille, Minou van der Werf & Gerrit van Eck

Call for research proposals now open

DEADLINE FOR SUBMISSIONS: 6 OCTOBER 2019

BillButler is the angel on the bill payers' shoulder

by Megan Roelofs

2houses helps divorced parents communicate

by Megan Roelofs

Why we save less for old age than we should

By Joanna Tyrowich & Krzysztof Makarski

Spenderlog connects finance with health

by Megan Roelofs

Moneyhub makes your money work harder

by Megan Roelofs

ERNIT makes money tangible for children

by Megan Roelofs

Minna Technologies helps you structure your subscriptions

by Megan Roelofs

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How financial literacy affects the crypto market

By Georgios Panos and Tatja Karkkainen

Zuper opts for strategic shifts and a relaunch in fall

by Megan Roelofs

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Problematic debt: EU vs. Australia

By Daniel Richards, Abdullahi Ahmed & Muhammad Tahir

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Identifying the financial Void – and the vulnerable consumers it pulls in

By Andra Sonea, Weisi Guo, Stephen Jarvis and Faith Reynolds

How investors learn from experience

by Philip Newall & Leonardo Weiss-Cohen

The TFI Research Heat Map

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When money matters cause stress

By Chrisa Gresset, Riccardo Calcagno and Brice Corgnet

Financial education: not all about numbers or calculations

by Catalina Estrada-Mejía, María Piedad Valero and Daniela Castaño

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Fifth workshop of the Growth Track: Operational Scaling

by Else Herrebout

Designing financial robo-advisers that appeal to people who need them

by Caterina Giannetti, Davide Bacciu, Paolo Crosetto, Alexia Gaudeul, Lorenzo Cominelli, Paolo Pin

Saving Rainy Day

Saving for a rainy day – and managing other unexpected shocks

by Dilek Önkal, Wasim Ahmed & Shari de Baets

Consumer credit markets: Fair and transparent?

a TFI research event

When cash costs you: about the pain of holding

by Jay Zenkic, Nicole Mead & Kobe Millet

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The benefits of joint and separate financial management of couples

by Fred van Raaij, Gerrit Antonides & Manon de Groot

Why the reference point matters

by Piotr Zielonka

How to enhance the financial well-being of refugees

Shashi Matta and Jens Hogreve

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Roundtable Meeting: new ideas & new members

by Jared Penner

Meet the researcher: Zoltán Szlávik & Michael Hind

Can establishing contact with consumers prevent debt accumulation?

Felix Uhl, Marieke Fransen and Claartje ter Hoeven

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Fourth workshop of the Growth Track: Nudging & Gamification

by Else Herrebout

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TFI Conference: Polish employees on better pensions

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Meet the researcher: Pedro Gete & Athena Tsouderou

Community Connect

Behavioural economics in the real world: Three key lessons

By Garrett Meccariello, Tobias Nasgarde and Perjan Duro

Meet the researcher: Johanna Peetz & Jennifer Robson

Open Source Tool

Meet the Researcher: Christopher D. Carroll & Patrick Kofod Mogensen

Meet the researcher: Grant Donnelly, Ximena Garcia-Rada, Jenny Olson & Michael Norton

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Growth Track: sales execution & growth hacking

Meet the researcher: Shabnam Mousavi, Gerd Gigerenzer & Shyam Sunder

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Meet the researcher: Mark Graus, Lisa Brüggen, & Joyce Augustus-Vonken

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Financial problems and stress: which comes first?

by Roos van den Wijngaard

Polish Students and Money

A TFI Research Challenge project by Malgorzata Pawlak & Adam Szyszka

Meet the researcher: Avri Bilovich, David Tuckett & Samuel Johnson

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Nudging healthier financial behaviour

An interview with Perjan Duro (MoneyCoach), Garrett Meccariello & Tobias Nasgarde (Prospect Labs)

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Meet the researcher: Dale Griffin, David Hardisty, Chuck Howard

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Second phase of the Growth Track

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Helping students to balance their budget:

By Malgorzata Pawlak & Adam Szyska

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Meet the researcher: Anastasiya Pocheptsova Ghosh & Liang Huang

Household Finance

Meet the researcher: Tingting Nian & Vijay Gurbaxani

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FINTECH AND CONSUMER FINANCIAL WELL-BEING IN THE INFORMATION AGE

By Michaela Pagel, Arna Olafsson & Bruce Carlin

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“Made in” labels lift the consumption of domestic products

by Laura Straeter

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Secret Santa’s budgeting tips

by Laura Straeter

The power of a social norm nudge in saving

by Robert Dur, Dimitry Fleming, Marten van Garderen & Max van Lent

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Winners of the TFI long-term research grant 2018

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TFI welcomes 8 startups in their growth track

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Winners of the TFI short-term research grant 2018

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International Volunteer Day: how your brain decides between donating time and money

by Roos van den Wijngaard

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Funding awarded

Funding awarded to research proposals

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Q&A with Claudia Robles-Garcia, the CEPR-TFI prizewinner 2018

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Call for Research Proposals (Closed)

DEADLINE FOR SUBMISSION: SEPTEMBER 30, 2018

Tfi Summit 17 051 Min

Call for short-term research proposals (Closed)

'Research Challenge' - Submission deadline: 18 Nov 2018

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Housing Carbon Footprint: How are we doing?

Attitudes to Sustainable Housing in 15 Countries

Ending daylight saving time: Disrupted routines and spending habits?

by Laura Straeter

Robo-Advisors and Household Finance: Promises and Risks

Read more about this CEPR-TFI event and watch the videos

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How family members manage household money

A TFI RESEARCH PROJECT BY MERIKE KUKK AND FRED VAN RAAIJ

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Digital connectedness in developing countries and its potential impact on financial services

A TFI Research Challenge project by Sudha Vijay, Anne Marie van Swinderen & Simon Bailey

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Nudging for good, better, best!

by Maria Ferreira

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Social media impact on household investors and their stock markets participation

A TFI RESEARCH CHALLENGE PROJECT BY ERIC THAM

Future self: How to save for important future events

by Andrea Weihrauch

Q&A with Matteo Benetton, the first CEPR-TFI prizewinner

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Gamechangers! How gamification can hook your customers

By Laura Straeter

The impact of interest-only mortgages on housing affordability

By Claes Bäckman and Chandler Lutz

To what extent do amateur investors trust social media?

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Digital connectedness in developing countries and its impact on financial choices

By Sudha Vijay, Anne Marie van Swinderen & Aukje te Kaat

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Brainstorming about the big research questions: 4 key themes refined

CALL FOR RESEARCH PROPOSALS OPEN UNTIL SEPT 30, 2018

Tough consumer decisions and how your business can ease the process

By Laura Straeter

2 Chris Bannocks Ings Chief Data Management Officer

Big data – Promises and Pitfalls for Consumers and the Finance Industry

Think Forward Initiative-CEPR Session

Research Workshops in June 2018

Decoding the Financial Psyche of Millenials

Insights from the TFI Summit 2018

Financial decision-making: impact in action

Summit 2018 - Recap

Financial decision-making: Impact in action

Breakout Sessions TFI Summit 2018

10 April Summit Report

Summit 2018 TFI

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In a world where there's an app for everything: MoneyCoach is not just another Financial App

Opening Boxes Online Shopping

THE EFFECT OF WARNINGS ON IRRESPONSIBLE ONLINE PURCHASE BEHAVIOUR

A TFI research challenge project by Benjamin Timmermans, Monique van Maare and Eva Zinger-Mityok

THE EFFECTS OF LONGEVITY ON FINANCIAL VULNERABILITY

A TFI Research Challenge project by Magda Malec, Krzysztof Makarski and Joanna Tyrowicz

Mobile Phone Payment

Cashless payments and Financial control

A TFI Research Challenge project by Emma Woodley and Jez Groom

Personality Traits and Household's Borrowing Behavior

A TFI Research Challenge project by Olga Goldfayn and Nathanael Vellekoop

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Leveraging Behavioural Science to Reduce Unnecessary Spending Behaviour

A TFI Research Challenge project by Garrett Meccariello and Tobias Nasgarde

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WINNERS AND LOSERS OF MARKETPLACE LENDING

A TFI Research Challenge project by Sudheer Chava and Nikhil Paradkar

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Fintech For Good: These 4 startups are on a mission to help you.

Financial Investment

Financial Literacy and Vulnerability: Lessons from Actual Investment Decisions

A TFI Research Challenge project by Milo Bianchi

Multilevel Marketing

Multi-Level Marketing Participation and Social Connectivity

A TFI Research Challenge project by Claes Bäckman & Tobin Hanspal

Girl Looks In Mirror

What is the role of personality in consumer loan applications?

Olga Goldfayn & Nathanael Vellekoop

Credit Card Debt

Peer-to-peer lending: Does it benefit everyone?

Nikhil Paradkar & Sudheer Chava

Online Shopping

Lessons learned from a fika: How behavioral science can reduce online spending

Garrett Meccariello & Tobias Nasgarde

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Picture it! Feelings and thoughts about non-cash payments expressed through images

Emma Woodley & Jez Groom

Online Purchase Creditcard

Last Chance! Can warnings reduce online spending?

Benjamin Timmermans, Eva Zinger-Mityok & Monique van Maare

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MoneyCoach, Limitless, Quotanda and Otly! selected for the TFI accelerator’s growth track

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The costs of experiences: better save than sorry

by: Laura Straeter

Money and love... richer and happier together?

An ING International Survey on money, happiness and relationships

Money and love… richer and happier together?

An ING International Survey on money, happiness and relationships

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GoTally, Fince and Jarvis present their impact-focused solutions at the first TFI accelerator Demo Day

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Accelerator's first teams presented their solutions at Demo Day

Helping society make better financial decisions

In conversation with Patrick de Zeeuw & Christo Thekkel, from Startupbootcamp

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The Think Forward Initiative: moving from incubation to growth

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Meet the TFI Accelerator Teams!

In Conversation with Dagmar van der Plas, Global Lead of the Think Forward Initiative

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methods to help people anticipate and avoid poor borrowing decisions

methods to help people anticipate and avoid poor borrowing decisions

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Don’t let emotions empty your wallet

Banks have a job to do here, says economist Ian Bright

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The Psychological Dimensions of Financial Capability

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The Project Team Intra-Household Dynamics

Couples who make joint decisions have fewer financial problems

The question of money

Thinking about finances is tough, says economics guru Dan Ariely

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The quality of our life depends largely on our ability to predict.

By Piotr Zielonka and Krzysztof Szymanek

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Recap and mindmaps: Summit report available

It’s just over a month since the second annual Think Forward Summit took place, and lots has been happening.

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Your Future Self

Bring today into the future, Bring the future into today.

From insight to empowerment

First summit project outcomes and practical solutions

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Think Forward Summit 2017: What did we learn?

Join ING’s reporter as he talks to some of the experts behind the Think Forward Initiative

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Ralph Hamers on surprising insights he learned from TFI

Think Forward Summit 2017 in Munich

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From insight to empowerment

First summit project outcomes and practical solutions

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Dan Ariely for the Think Forward Initiative

James B. Duke Professor of Psychology and Behavioral Economics at Duke University

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Money and happiness by Michael Norton

Think Forward Summit 2017 in Munich

Tfi Playlist Pp1

Think Forward Initiative project presentations at the Summit 2017

Outcomes and practical solutions following the first summit

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A day in the life with digital ‘agents’ by MJ Petroni

Think Forward Summit 2017 in Munich

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Consumer insights and behaviour by Sille Krukow

Think Forward Summit 2017 in Munich

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Future & rejuvenate innovation by Björn Weigel

Think Forward Summit 2017 in Munich

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Opening remarks by Ralph Hamers

Think Forward Summit 2017 in Munich

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Helping millions to keep their heads above water

One of five Think Forward Summit projects

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Teamwork: Dutch couples make most financial decisions together

One of five Think Forward Summit projects

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Anticipating and avoiding harmful borrowing through social media

One of five Think Forward projects

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Can peer pressure make us save

One of five Think Forward Summit projects

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The future self

One of five Think Forward Summit projects

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Can you buy happiness? Michael Norton says yes

Harvard Business School professor Michael Norton shares insights on spending, saving and happiness.

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Five projects—many ideas

The projects will be presented in detail at the Summit on 15 March.

Tfi2017 2016 Summit Compilation

Think Forward Initiative 2016 Compilation

The progress made so far

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A startup emerges from giants

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"Showing the progress”

The third and final of three progress reports - January 2017

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Christmas shopping and the focusing illusion

Most in Europe stay prudent despite high festive costs

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Beware of media experts’ predictions

By Piotr Zielonka and Krzysztof Szymanek

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Improving people's financial decision-making

Research insights on household consumption, wealth, savings and investment

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Improving people's financial decision-making

TFI-CEPR booklet

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“Setting the direction”

The second of three progress reports - October 2016

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Helicopter money

Gifts of money and their effect on the economy

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Finance 2025

Creating Digital Financial Platforms

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Bridging the Empowerment Divide: Enabling people to lead the lives they want

Values-based learnings from 13 countries in Europe and beyond

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Bridging the Empowerment Divide

Values-based learnings from 13 countries in Europe and beyond

Kick-Off Conclusion Paper & Next Steps

More detail on the challenges formulated during the interactive breakout sessions.

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"Bringing the focus"

The first of three progress reports - July 2016

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How I learned to stop worrying and love social media

By Philippe Gosseye (EMC)

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The best of Think Forward Initiative

An overview of the best content

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Money attitudes of a new generation

An ING study conducted with Professor Noreena Hertz

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Money attitudes of a new generation

By Noreena Hertz, Professor of University College London

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Anxious about finances?

Many are – but managing money better can be easy

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Ralph Hamers: “It’s not only our customers who benefit from our efforts”

CEO of ING Group on TFI

Helping people make good financial decisions

By Michalis Haliassos & Phil Thornton

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Supporting good financial decision-making

By Monica Woodley, Editorial Director, EMEA, The Economist Intelligence Unit

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Millennials and their struggle with debt

By Annamaria Lusardi

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The best of Think Forward Initiative

An overview of the best content

TFI summit recap

Think Forward Summit for better financial decisions

Here’s why the world needs this initiative

Ian Bright: "Brussels, we have a problem"

ING economist on financial decision making

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A series of inspiring quotes on personal finance and financial decision-making

By attendees of the Think Forward Summit on 25 February 2016

The Unequal Crisis

How did income inequality evolve during the financial crisis?

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My own digital banker

By Hans Timmerman (EMC)

Hersfield Goldstein Et Al

Increasing Saving Behaviour

Through Age-Progressed Renderings of the Future Self

Mixed fortunes for savers in Europe

An ING International survey on financial behaviour

Mixed fortunes for savers in Europe

An ING International Survey on financial behaviour

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Household Wealth in Europe

Post-crisis recovery leaves big differences between countries and households

Seven fat years, seven lean years

After the crisis, Eurozone household finances finally start to look up

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Generational approaches towards finance technology

Age does not define digital savviness

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European youth expect tough economic future

An ING International Survey on financial behaviour

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Personal finance choices that pay

An ING International Survey on financial behaviour for the Think Forward Initiative

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Economics in 3D

An ING economic and financial analysis

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Economics in 3D

Towards a More Realistic View of Household Decisions

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A digital contribution to financial decision-making?

By Hans Timmerman (EMC)

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“We need to become smarter hunter-gatherers”

Interview - Noreena Hertz

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Data is the key to deliver personalised experiences

A look into the information generation

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Wired for Imprudence

Behavioural hurdles to financial capability

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How can a ‘future selfie’ save you a fortune?

Research into ‘empathy gaps’

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How to use experts - and when not to

A TED talk by Noreena Hertz

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“People are creatures of habit”

Interview with behavioural expert Kirsten Rohde

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The right information at the right time

How ING encourages customers to think about their finances

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Can watching TV improve your financial skills?

World Bank research on how human behaviour is influenced

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The battle between your present and future self

A TED Talk by Daniel Goldstein

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The wedding or the house?

A look at costs of life events for Europeans