Устойчивое долгосрочное сберегательное поведение: дизайн эксперимента

Abstract

The focus of the study is testing hypotheses on the application of behavioral economics methods (nudging, self-nudging) for implanting long-term savings practices. The methodological basis is a laboratory economic experiment, ecologically valid for the conditions of the Russian economy of the 21st century. The experimental design models: environmental volatility (crises, pandemics); conflict between immediate consumption and long-term goals; risks of substituting savings strategies with credit or labor ones. The scientific novelty lies in the development of nudging tools adapted to the specifics of Russian financial culture and verification of their effectiveness on a student sample