Stories Making good decisions about money isn't just about knowing financial facts Category: Stories All updates Accelerator Events News Research Stories Story Grocery shopping in times of crisis: do income and wealth drops make consumers switch to cheaper products? By Calogero Brancatelli, Adrian Fritzsche, Roman Inderst Story How financial literacy and reflection can prepare you for challenging times By Ozan Isler, Onurcan Yilmaz & Uwe Dulleck Story No transaction, no risk? The influence of financial literacy on going guarantor By Elisabeth Beckmann, Christa Hainz, Sarah Reiter Story Can a personalized price comparison tool improve consumers’ choices in the market for personal loans? By Erik Berwart, Sean Higgins, Sheisha Kulkarni & Santiago Truffa Story Mind the app! Financial education and the lights and shadows of financial digitalisation By Carmela Aprea & Tabea Bucher-Koenen Story Increasing pension engagement through personalized communication By Emir Efendić, Lisa Bruggen and Mark Graus Story How gamification can help consumers reach their savings goals By Nethal Hashim, Irene Scopelliti and Janina Steinmetz Story How misleading certainty affects consumer trust and confidence by Eleonore Batteux, Avri Bilovich, Samuel Johnson and David Tuckett Story Why it’s hard to predict gig income by Chuck Howard, David Hardisty, & Dale Griffin Story Understanding the new generation of payday borrowing by Ronnie Das & Jane Brown Story How do robo-advisers invest, and what can we learn from them? by Vincent Skiera Story How formal education may influence financial behaviour By Abdurrahman Aydemir Story How budgeting app users may overspend rather than save By Anastasiya Pocheptsova Ghosh & Liang Huang Story Saving - or not - in a world of immediate access opportunities By Ozgun Atasoy and Baris Depecik Story Gender gap in financial literacy: does it matter who wears the trousers? by Maddalena Davoli & Jia Hou Story Financial risk-taking and differential bargaining power within households by Dimitris Christelis, Dimitris Georgarakos & Tullio Jappelli Story Insuring longevity risk while having multiple savings accounts by Abigail Hurwitz & Orly Sade Story How budgeting ahead may increase spending by Yuna Choe & Christina Kan Story Feeling safe and in control: how privacy cues impact financial decisions by Joris Demmers, Benedict Dellaert & Kristian Rotaru Story Are older households turning into the landlords of the youth? by Pedro Gete & Athena Tsouderou Story How negative health shocks affect financial choices by Jens Sørlie Kværner, Trond Døskeland & Kari J. Kværner Story Borrowing in response to windfalls by Michaela Pagel & Arna Olafsson Story The impact of price comparison tools for consumer credit on financial decision-making Meet the researchers: Erik Berwart, Sean Higgins, Sheisha Kulkarni & Santiago Truffa Story Buying a financial product? Beware of convoluted language By Mario Kienzler, Kinga Barrafrem & Daniel Västfjäll Story Boosting financial well-being with self-control and future time perspective by Fred van Raaij & Leonore Riitsalu Story "Honey, let's talk about money" by Grant E. Donnelly, Ximena Garcia-Rada, Hristina Nikolova, Michael I. Norton & Jenny G. Olson Story How households adjust purchases and consumption to income and wealth shocks Meet the researchers: Roman Inderst, Calogero Brancatelli & Adrian Fritzsche Story The importance of fair algorithms for consumer trust Tim Draws, Benjamin Timmermans & Monique van Maare Story Intergenerational transmission of saving propensity Meet the researchers: Philippe D'astous, Pierre-Carl Michaud & Gaëlle Simard-Duplain Story Commission bans - do private investors benefit? by Charline Uhr, Steffen Meyer, Andreas Hackethal & Benjamin Loos Story How the sharing economy influences American households By Tingting Nian & Vijay Gurbaxani Story For richer, for poorer: financial shocks, within couple insurance and debt Meet the researchers: Arna Olafsson, Dan Silverman & Leandro Carvalho Story Optimal financial investments over the life cycle By Christopher Carroll and the Econ-ARK Team Story Third-party guarantees - the role of financial knowledge and social norms Meet the researchers: Christa Hainz, Elisabeth Beckmann & Sarah Reiter Story GetReady: A simulator for training financial preparedness under resource scarcity Meet the researchers: Uwe Dulleck, Ozan Isler & Onurcan Yilmaz Story “Money on my mind": The dynamics of financial worry Meet the researchers: Bert Schreurs, Ruud Gerards & Riccardo Welters Story Living gig to gig and payslip to payslip by Johanna Peetz & Jennifer Robson Story Where do financial habits come from? by Shabnam Mousavi Story The consumer bias towards deceptively precise financial projections by Eleonore Batteux, Avri Bilovich, Samuel Johnson and David Tuckett Story How much money will you earn (and spend) next week? by Chuck Howard, Dale Griffin and David Hardisty Story Do the wealthiest of us enjoy the highest financial well-being? by Leonore Riitsalu & Fred van Raaij Story Improving people's decision-making skills in finance and health care an interview with 3 winners of the SABE | TFI award by Jeremy Gaunt Story Do people keep track of their money? by Shabnam Mousavi Story What if FinTech actually made us save less? by Anastasiya Pocheptsova Ghosh & Liang Huang Story The effect of income volatility on financial well-being by Johanna Peetz & Jennifer Robson Story What’s wrong with how we’re investing for retirement, and can Robo-Advisers help us improve? by Vincent Skiera Story Why have we become so bamboozled by numbers? by Shabnam Mousavi Story Meet the Researcher: Vincent Skiera Story When mental health affects financial decisions by Olga Goldfayn-Frank & Yuri Pettinicchi Story When homeownership and housing prices are no longer in sync by Pedro Gete & Athena Tsouderou Story Timing is everything: how to stimulate debtors to pay up By Gea Schonewille, Minou van der Werf & Gerrit van Eck Story Why we save less for old age than we should By Joanna Tyrowich & Krzysztof Makarski Story How financial literacy affects the crypto market By Georgios Panos and Tatja Karkkainen Story Problematic debt: EU vs. Australia By Daniel Richards, Abdullahi Ahmed & Muhammad Tahir Story Identifying the financial Void – and the vulnerable consumers it pulls in By Andra Sonea, Weisi Guo, Stephen Jarvis and Faith Reynolds Story How investors learn from experience by Philip Newall & Leonardo Weiss-Cohen Story When money matters cause stress By Chrisa Gresset, Riccardo Calcagno and Brice Corgnet Story Financial education: not all about numbers or calculations by Catalina Estrada-Mejía, María Piedad Valero and Daniela Castaño Story Designing financial robo-advisers that appeal to people who need them by Caterina Giannetti, Davide Bacciu, Paolo Crosetto, Alexia Gaudeul, Lorenzo Cominelli, Paolo Pin Story Saving for a rainy day – and managing other unexpected shocks by Dilek Önkal, Wasim Ahmed & Shari de Baets Story When cash costs you: about the pain of holding by Jay Zenkic, Nicole Mead & Kobe Millet Story How to enhance the financial well-being of refugees Shashi Matta and Jens Hogreve Story Meet the researcher: Zoltán Szlávik & Michael Hind Story Can establishing contact with consumers prevent debt accumulation? Felix Uhl, Marieke Fransen and Claartje ter Hoeven Story Meet the researcher: Pedro Gete & Athena Tsouderou Story Behavioural economics in the real world: Three key lessons By Garrett Meccariello, Tobias Nasgarde and Perjan Duro Story Meet the researcher: Johanna Peetz & Jennifer Robson Story Meet the Researcher: Christopher D. Carroll & Patrick Kofod Mogensen Story Meet the researcher: Grant Donnelly, Ximena Garcia-Rada, Jenny Olson & Michael Norton Story Meet the researcher: Shabnam Mousavi, Gerd Gigerenzer & Shyam Sunder Story Meet the researcher: Mark Graus, Lisa Brüggen, & Joyce Augustus-Vonken Story Financial problems and stress: which comes first? by Roos van den Wijngaard Story Meet the researcher: Avri Bilovich, David Tuckett & Samuel Johnson Story Nudging healthier financial behaviour An interview with Perjan Duro (MoneyCoach), Garrett Meccariello & Tobias Nasgarde (Prospect Labs) Story Meet the researcher: Dale Griffin, David Hardisty, Chuck Howard Story Helping students to balance their budget: By Malgorzata Pawlak & Adam Szyska Story Meet the researcher: Anastasiya Pocheptsova Ghosh & Liang Huang Story Meet the researcher: Tingting Nian & Vijay Gurbaxani Story “Made in” labels lift the consumption of domestic products by Laura Straeter Story Secret Santa’s budgeting tips by Laura Straeter Story The power of a social norm nudge in saving by Robert Dur, Dimitry Fleming, Marten van Garderen & Max van Lent Story International Volunteer Day: how your brain decides between donating time and money by Roos van den Wijngaard Story Q&A with Claudia Robles-Garcia, the CEPR-TFI prizewinner 2018 Story Housing Carbon Footprint: How are we doing? Attitudes to Sustainable Housing in 15 Countries Story Ending daylight saving time: Disrupted routines and spending habits? by Laura Straeter Story Robo-Advisors and Household Finance: Promises and Risks Read more about this CEPR-TFI event and watch the videos Story Nudging for good, better, best! by Maria Ferreira Story Future self: How to save for important future events by Andrea Weihrauch Story Q&A with Matteo Benetton, the first CEPR-TFI prizewinner Story Gamechangers! How gamification can hook your customers By Laura Straeter Story The impact of interest-only mortgages on housing affordability By Claes Bäckman and Chandler Lutz Story To what extent do amateur investors trust social media? By Eric Tham Story Digital connectedness in developing countries and its impact on financial choices By Sudha Vijay, Anne Marie van Swinderen & Aukje te Kaat Story Tough consumer decisions and how your business can ease the process By Laura Straeter Story What is the role of personality in consumer loan applications? Olga Goldfayn & Nathanael Vellekoop Story Peer-to-peer lending: Does it benefit everyone? Nikhil Paradkar & Sudheer Chava Story Lessons learned from a fika: How behavioral science can reduce online spending Garrett Meccariello & Tobias Nasgarde Story Picture it! Feelings and thoughts about non-cash payments expressed through images Emma Woodley & Jez Groom Story Last Chance! Can warnings reduce online spending? Benjamin Timmermans, Eva Zinger-Mityok & Monique van Maare Story The costs of experiences: better save than sorry by: Laura Straeter Story Money and love… richer and happier together? An ING International Survey on money, happiness and relationships Story Don’t let emotions empty your wallet Banks have a job to do here, says economist Ian Bright Story The question of money Thinking about finances is tough, says economics guru Dan Ariely Story The quality of our life depends largely on our ability to predict. By Piotr Zielonka and Krzysztof Szymanek Story Your Future Self Bring today into the future, Bring the future into today. Story Helping millions to keep their heads above water One of five Think Forward Summit projects Story Teamwork: Dutch couples make most financial decisions together One of five Think Forward Summit projects Story Anticipating and avoiding harmful borrowing through social media One of five Think Forward projects Story Can peer pressure make us save One of five Think Forward Summit projects Story The future self One of five Think Forward Summit projects Story Can you buy happiness? Michael Norton says yes Harvard Business School professor Michael Norton shares insights on spending, saving and happiness. Story A startup emerges from giants By Devie Mohan Story Christmas shopping and the focusing illusion Most in Europe stay prudent despite high festive costs Story Beware of media experts’ predictions By Piotr Zielonka and Krzysztof Szymanek Story Improving people's financial decision-making Research insights on household consumption, wealth, savings and investment Story Helicopter money Gifts of money and their effect on the economy Story Finance 2025 Creating Digital Financial Platforms Story Bridging the Empowerment Divide: Enabling people to lead the lives they want Values-based learnings from 13 countries in Europe and beyond Story How I learned to stop worrying and love social media By Philippe Gosseye (EMC) Story Money attitudes of a new generation By Noreena Hertz, Professor of University College London Story Anxious about finances? Many are – but managing money better can be easy Story Helping people make good financial decisions By Michalis Haliassos & Phil Thornton Story Supporting good financial decision-making By Monica Woodley, Editorial Director, EMEA, The Economist Intelligence Unit Story Millennials and their struggle with debt By Annamaria Lusardi Story The best of Think Forward Initiative An overview of the best content Story My own digital banker By Hans Timmerman (EMC) Story Mixed fortunes for savers in Europe An ING International Survey on financial behaviour Story Generational approaches towards finance technology Age does not define digital savviness Story European youth expect tough economic future An ING International Survey on financial behaviour Story Economics in 3D Towards a More Realistic View of Household Decisions Story A digital contribution to financial decision-making? By Hans Timmerman (EMC) Story “We need to become smarter hunter-gatherers” Interview - Noreena Hertz Story Data is the key to deliver personalised experiences A look into the information generation Story Wired for Imprudence Behavioural hurdles to financial capability Story How can a ‘future selfie’ save you a fortune? Research into ‘empathy gaps’ Story How to use experts - and when not to A TED talk by Noreena Hertz Story “People are creatures of habit” Interview with behavioural expert Kirsten Rohde Story The right information at the right time How ING encourages customers to think about their finances Story Can watching TV improve your financial skills? World Bank research on how human behaviour is influenced Story The battle between your present and future self A TED Talk by Daniel Goldstein Story The wedding or the house? A look at costs of life events for Europeans More
Story Grocery shopping in times of crisis: do income and wealth drops make consumers switch to cheaper products? By Calogero Brancatelli, Adrian Fritzsche, Roman Inderst
Story How financial literacy and reflection can prepare you for challenging times By Ozan Isler, Onurcan Yilmaz & Uwe Dulleck
Story No transaction, no risk? The influence of financial literacy on going guarantor By Elisabeth Beckmann, Christa Hainz, Sarah Reiter
Story Can a personalized price comparison tool improve consumers’ choices in the market for personal loans? By Erik Berwart, Sean Higgins, Sheisha Kulkarni & Santiago Truffa
Story Mind the app! Financial education and the lights and shadows of financial digitalisation By Carmela Aprea & Tabea Bucher-Koenen
Story Increasing pension engagement through personalized communication By Emir Efendić, Lisa Bruggen and Mark Graus
Story How gamification can help consumers reach their savings goals By Nethal Hashim, Irene Scopelliti and Janina Steinmetz
Story How misleading certainty affects consumer trust and confidence by Eleonore Batteux, Avri Bilovich, Samuel Johnson and David Tuckett
Story How budgeting app users may overspend rather than save By Anastasiya Pocheptsova Ghosh & Liang Huang
Story Saving - or not - in a world of immediate access opportunities By Ozgun Atasoy and Baris Depecik
Story Gender gap in financial literacy: does it matter who wears the trousers? by Maddalena Davoli & Jia Hou
Story Financial risk-taking and differential bargaining power within households by Dimitris Christelis, Dimitris Georgarakos & Tullio Jappelli
Story Feeling safe and in control: how privacy cues impact financial decisions by Joris Demmers, Benedict Dellaert & Kristian Rotaru
Story How negative health shocks affect financial choices by Jens Sørlie Kværner, Trond Døskeland & Kari J. Kværner
Story The impact of price comparison tools for consumer credit on financial decision-making Meet the researchers: Erik Berwart, Sean Higgins, Sheisha Kulkarni & Santiago Truffa
Story Buying a financial product? Beware of convoluted language By Mario Kienzler, Kinga Barrafrem & Daniel Västfjäll
Story Boosting financial well-being with self-control and future time perspective by Fred van Raaij & Leonore Riitsalu
Story "Honey, let's talk about money" by Grant E. Donnelly, Ximena Garcia-Rada, Hristina Nikolova, Michael I. Norton & Jenny G. Olson
Story How households adjust purchases and consumption to income and wealth shocks Meet the researchers: Roman Inderst, Calogero Brancatelli & Adrian Fritzsche
Story The importance of fair algorithms for consumer trust Tim Draws, Benjamin Timmermans & Monique van Maare
Story Intergenerational transmission of saving propensity Meet the researchers: Philippe D'astous, Pierre-Carl Michaud & Gaëlle Simard-Duplain
Story Commission bans - do private investors benefit? by Charline Uhr, Steffen Meyer, Andreas Hackethal & Benjamin Loos
Story For richer, for poorer: financial shocks, within couple insurance and debt Meet the researchers: Arna Olafsson, Dan Silverman & Leandro Carvalho
Story Third-party guarantees - the role of financial knowledge and social norms Meet the researchers: Christa Hainz, Elisabeth Beckmann & Sarah Reiter
Story GetReady: A simulator for training financial preparedness under resource scarcity Meet the researchers: Uwe Dulleck, Ozan Isler & Onurcan Yilmaz
Story “Money on my mind": The dynamics of financial worry Meet the researchers: Bert Schreurs, Ruud Gerards & Riccardo Welters
Story The consumer bias towards deceptively precise financial projections by Eleonore Batteux, Avri Bilovich, Samuel Johnson and David Tuckett
Story How much money will you earn (and spend) next week? by Chuck Howard, Dale Griffin and David Hardisty
Story Do the wealthiest of us enjoy the highest financial well-being? by Leonore Riitsalu & Fred van Raaij
Story Improving people's decision-making skills in finance and health care an interview with 3 winners of the SABE | TFI award by Jeremy Gaunt
Story What’s wrong with how we’re investing for retirement, and can Robo-Advisers help us improve? by Vincent Skiera
Story Timing is everything: how to stimulate debtors to pay up By Gea Schonewille, Minou van der Werf & Gerrit van Eck
Story Identifying the financial Void – and the vulnerable consumers it pulls in By Andra Sonea, Weisi Guo, Stephen Jarvis and Faith Reynolds
Story Financial education: not all about numbers or calculations by Catalina Estrada-Mejía, María Piedad Valero and Daniela Castaño
Story Designing financial robo-advisers that appeal to people who need them by Caterina Giannetti, Davide Bacciu, Paolo Crosetto, Alexia Gaudeul, Lorenzo Cominelli, Paolo Pin
Story Saving for a rainy day – and managing other unexpected shocks by Dilek Önkal, Wasim Ahmed & Shari de Baets
Story Can establishing contact with consumers prevent debt accumulation? Felix Uhl, Marieke Fransen and Claartje ter Hoeven
Story Behavioural economics in the real world: Three key lessons By Garrett Meccariello, Tobias Nasgarde and Perjan Duro
Story Nudging healthier financial behaviour An interview with Perjan Duro (MoneyCoach), Garrett Meccariello & Tobias Nasgarde (Prospect Labs)
Story The power of a social norm nudge in saving by Robert Dur, Dimitry Fleming, Marten van Garderen & Max van Lent
Story International Volunteer Day: how your brain decides between donating time and money by Roos van den Wijngaard
Story Robo-Advisors and Household Finance: Promises and Risks Read more about this CEPR-TFI event and watch the videos
Story The impact of interest-only mortgages on housing affordability By Claes Bäckman and Chandler Lutz
Story Digital connectedness in developing countries and its impact on financial choices By Sudha Vijay, Anne Marie van Swinderen & Aukje te Kaat
Story What is the role of personality in consumer loan applications? Olga Goldfayn & Nathanael Vellekoop
Story Lessons learned from a fika: How behavioral science can reduce online spending Garrett Meccariello & Tobias Nasgarde
Story Picture it! Feelings and thoughts about non-cash payments expressed through images Emma Woodley & Jez Groom
Story Last Chance! Can warnings reduce online spending? Benjamin Timmermans, Eva Zinger-Mityok & Monique van Maare
Story Money and love… richer and happier together? An ING International Survey on money, happiness and relationships
Story The quality of our life depends largely on our ability to predict. By Piotr Zielonka and Krzysztof Szymanek
Story Teamwork: Dutch couples make most financial decisions together One of five Think Forward Summit projects
Story Anticipating and avoiding harmful borrowing through social media One of five Think Forward projects
Story Can you buy happiness? Michael Norton says yes Harvard Business School professor Michael Norton shares insights on spending, saving and happiness.
Story Christmas shopping and the focusing illusion Most in Europe stay prudent despite high festive costs
Story Improving people's financial decision-making Research insights on household consumption, wealth, savings and investment
Story Bridging the Empowerment Divide: Enabling people to lead the lives they want Values-based learnings from 13 countries in Europe and beyond
Story Supporting good financial decision-making By Monica Woodley, Editorial Director, EMEA, The Economist Intelligence Unit
Story The right information at the right time How ING encourages customers to think about their finances
Story Can watching TV improve your financial skills? World Bank research on how human behaviour is influenced
