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The Problem of Encouraging Savings in Terms of Discoveries Made in Behavioral and Cognitive Economy
Lebedev Sergei

PhD in Politics

Management Consultant, Private practice

117499, Russia, Moscow, Shvernika Street 5

Другие публикации этого автора

Dallakyan Arsen Karlenovich

PhD in Philosophy

consultant on consumer behavior www.arsendallan.com

115211, Russia, Moscow Region, Moscow, str. Borisovskie Prudy, 13



The subject of the research is the saving behavior of economic agents (in this case, population) under limited resources nd uncertain environment. The object of the research is the combination of cognitive and behavioral effects and phenomena that encourage or prevent from savings. These factors can be successfully used to encourage this type of economic behavior, moreover, some of them can be used directly by the government as well as financial institutions (retail banks, etc.). In their research the authors have used traditional economic research methods such as analysis, synthesis, deduction, induction, and research abstraction. They have also used the method of case study (analysis of particular situations) and others. The researchers focuse on qualitative instead of quantitative analysis. The authors have offered a classification of discovered made in the fields of behavioral and cognitive economy, these discoveries facilitating or preventing from saving behavior of economic agents. The authors also analyze the experience of financial institutions aimed at encouraging saving behavior and developing relevant behavioral patterns (the habit to save money). The authors also offer to adapt a number of instruments that are used in modern marketing. In particular, they analyze savings gamification methods (based on the goal gradient hypothesis) and opportunities to apply the endowment effect through visualisation of the future value in account, etc.  

Keywords: goal-gradient hypothesis, endowment effect, gamification, loss aversion, hyperbolic discounting, bounded rationality, behavioral economics, conspicuous consumption, impulse saving(s), default options



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This article written in Russian. You can find full text of article in Russian here .

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