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Nudging is the Architecture of Choice in the World of Banking

Rosa, Paulo Monteiro

Revista de administração contemporânea, 2022-09, Vol.26 (5), p.1-0_1 [Periódico revisado por pares]

Rio de Janeiro: Associação Nacional de Pós-Graduação e Pesquisa em Administração

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  • Título:
    Nudging is the Architecture of Choice in the World of Banking
  • Autor: Rosa, Paulo Monteiro
  • Assuntos: Architecture ; Banking ; Banks ; Behavior ; Communication ; Consumer behavior ; Economics ; Retirement
  • É parte de: Revista de administração contemporânea, 2022-09, Vol.26 (5), p.1-0_1
  • Descrição: 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. It should be noted, though, that nudges never force people to make decisions. Even though such prompts might motivate people to take a certain path, one of the basic principles of nudging is never to limit or eliminate other options. The nudge is neither a rule nor an obligation. The choice, at the end of the day, is always up to the individual. In the architecture of choice, the nudge is a gentle prod that influences people's behavior in a predictable way without impeding the advancement of possible alternatives. Communicating the benefits of saving through messaging is merely a nudge that obviously does not intend to exclude the possibility of spending, which is the ultimate goal of economic science reflected in the way people maximize their well-being.
  • Editor: Rio de Janeiro: Associação Nacional de Pós-Graduação e Pesquisa em Administração
  • Idioma: Inglês
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