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Nudging a second after

delete2025-10-20
delete0
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OA
AI
K
Kadir Atalay *
H
Hanlin Lou
R
Robert Slonim
DOI：10.1016/j.jbankfin.2025.107581delete
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摘要

摘要

En 中文
本研究探讨了一种新颖的方法，通过在客户完成高成本交易后立即提供信息，以帮助人们做出更优决策。我们考察了澳大利亚一家大型金融机构的干预措施，其中实验组信用卡客户在每次高成本交易后立即收到一条短信通知。该通知告知他们该交易产生了额外费用，并且将立即适用更高的利率。这种即时的事后信息助推措施将后续高成本交易的数量减少了6%，并提高了被助推当日还款的可能性5%。该证据表明，事后信息宣传活动提高了客户对费用和更高利率的认识，进而促使他们调整信用卡使用方式以节省开支。更广泛地说，该证据提供了一种新颖的方法，通过在事件发生后而非事前立即进行助推，帮助人们做出更优决策。
Keyword:
Information Disclosure
Financial Decision Making
Behavioral Insights
D12
D91
G21
C93
AI总结

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期刊

J
Journal of Banking and Finance
IF:
3.8
论文数:
6.4K
被引数:
2.4W

机构

T
the university of new south wales
学者数:
589
论文数: 305
被引数: 1
T
The University of Sydney
学者数:
2.6K
论文数: 1.1K
被引数: 7.9W
U
university of technology sydney
学者数:
1.6W
论文数: 2.0W
被引数: 25
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