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Economics

The Economics of Behavioral Nudges and Consumer Choice

Quick fact

When a company switched its retirement savings plan from an opt-in system to automatically enrolling everyone unless they chose to leave, participation rates jumped from about 49% to 86% within a few months. This simple change in the choice framework had a larger impact than many financial incentives.

Why this is interesting

Have you ever wondered why the default option on a website often gets you to accept cookies, or why more people sign up for retirement savings when they have to opt out instead of opt in? These aren't accidents—they're behavioral nudges, and they're shaping your choices every day.