提醒电子邮件可以迫使美国人储蓄吗? 这是一项200万人的大型研究
Katherine L Milkman1, Sean F Ellis2, Dena M Gromet2
1Department of Operations, Information and Decisions, The Wharton School, University of Pennsylvania, Philadelphia, PA 19104, USA.
PNAS nexus
|October 1, 2025
概括
通过电子邮件的行为科学推动可以增加储蓄存款. 一项大型研究表明,个性化的每周提醒和祝促进了储蓄,展示了改善财务健康的经济有效方法.
科学领域:
- 行为经济学是一种行为经济学.
- 金融心理学 金融心理学
- 这是一种数字nudging.
背景情况:
- 很大一部分美国成年人缺乏足够的储蓄.
- 低储蓄率带来了金融脆弱性的风险.
研究的目的:
- 评估基于行为科学的电子邮件活动在增加储蓄存款方面的有效性.
- 确定最佳的推动策略,以鼓励财务储蓄.
主要方法:
- 一个大规模的随机对照试验 (megastudy) 涉及近200万银行客户.
- 在两个月内分配给七种电子邮件活动变体之一或对照组.
- 活动利用行为科学见解来促使储蓄行为.
主要成果:
- 通过电子邮件推动,一次性储蓄存款的概率平均增加了0.05个百分点.
- 最有效的活动是使用个性化的每周消息,每月一次性存款的概率增加了0.13个百分点.
- 如果广泛实施,估计可能会节省数百万美元的额外储蓄.
结论:
- 轻微的接触,频繁的电子邮件推动是增加储蓄存款的经济有效方法.
- 个性化,基于行为的消息传递是一种高度有效的策略.
- 将行为科学整合到更广泛的金融通信中,可以带来显著的好处.
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