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Making good decisions about money isn't just about knowing financial facts

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

By Elisabeth Beckmann, Christa Hainz, Sarah Reiter

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

By Carmela Aprea & Tabea Bucher-Koenen

Increasing pension engagement through personalized communication

By Emir Efendić, Lisa Bruggen and Mark Graus

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How gamification can help consumers reach their savings goals

By Nethal Hashim, Irene Scopelliti and Janina Steinmetz

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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Understanding the new generation of payday borrowing

by Ronnie Das & Jane Brown

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

by Vincent Skiera

How formal education may influence financial behaviour

By Abdurrahman Aydemir

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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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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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Are older households turning into the landlords of the youth?

by Pedro Gete & Athena Tsouderou

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How negative health shocks affect financial choices

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

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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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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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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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Optimal financial investments over the life cycle

By Christopher Carroll and the Econ-ARK Team

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

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

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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

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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

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

What if FinTech actually made us save less?

by Anastasiya Pocheptsova Ghosh & Liang Huang

The effect of income volatility on financial well-being

by Johanna Peetz & Jennifer Robson

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

Meet the Researcher: Vincent Skiera

When mental health affects financial decisions

by Olga Goldfayn-Frank & Yuri Pettinicchi

When homeownership and housing prices are no longer in sync

by Pedro Gete & Athena Tsouderou

Timing is everything: how to stimulate debtors to pay up

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

Why we save less for old age than we should

By Joanna Tyrowich & Krzysztof Makarski

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How financial literacy affects the crypto market

By Georgios Panos and Tatja Karkkainen

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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

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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

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

When cash costs you: about the pain of holding

by Jay Zenkic, Nicole Mead & Kobe Millet

How to enhance the financial well-being of refugees

Shashi Matta and Jens Hogreve

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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Meet the researcher: Pedro Gete & Athena Tsouderou

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Behavioural economics in the real world: Three key lessons

By Garrett Meccariello, Tobias Nasgarde and Perjan Duro

Meet the researcher: Johanna Peetz & Jennifer Robson

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

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

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

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

by Roos van den Wijngaard

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Q&A with Claudia Robles-Garcia, the CEPR-TFI prizewinner 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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Nudging for good, better, best!

by Maria Ferreira

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?

Financial Diaries Africa

Digital connectedness in developing countries and its impact on financial choices

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

Tough consumer decisions and how your business can ease the process

By Laura Straeter

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

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Last Chance! Can warnings reduce online spending?

Benjamin Timmermans, Eva Zinger-Mityok & Monique van Maare

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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

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Don’t let emotions empty your wallet

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

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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Your Future Self

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

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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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A startup emerges from giants

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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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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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How I learned to stop worrying and love social media

By Philippe Gosseye (EMC)

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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

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

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My own digital banker

By Hans Timmerman (EMC)

Mixed fortunes for savers in Europe

An ING International Survey on financial behaviour

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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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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