Behavioral and contextual determinants of different stages of saving behavior

IntroductionSaving is a journey, beginning with the critical decision to initiate the process, take that pivotal first deposit step, and persistently commit to ongoing savings. However, a lot of saving plans fail already before any deposit is made, and even if the first deposit is made, long-run success of savings is far from guaranteed. In this study, we investigate both individual and saving-goal-specific determinants of successful savings.MethodWe use real-life savings data (N = 2,619 saving goals of 808 individuals) from a FinTech company in Sweden that helps individuals save for their goals. In addition, we collect a wide range of individual characteristics related to financial behavior: individuals' objective and subjective financial knowledge, self-control, and information avoidance.Results and discussionOur analysis uncovered distinctive patterns at different stages of the saving process. While objective financial knowledge didn't correlate with how much one saves, it was significantly related to the likelihood of making the first deposit. Furthermore, individuals with high self-control exhibited greater savings, though self-control was not related to the initiation of saving. Interestingly, subjective financial literacy and information avoidance showed no significant association with overall savings behavior. Additionally, our study indicated that the attainability of goals plays a crucial role in depositing funds, with more achievable goals having higher deposit likelihoods. Conversely, ambitious goals, despite their challenging nature, tended to attract more substantial savings. Our findings, grounded in real-life data, provide valuable insights into the intricate mechanisms influencing successful saving behaviors, shedding light on the complexities of financial decision-making and goal pursuit

Intertemporal prosocial behavior: a review and research agenda

Research on intertemporal and prosocial decisions has largely developed in separate strands of literature. However, many of the decisions we make occur at the intersection of these two dimensions (intertemporal and prosocial). Trust is an example, where a decision today is made with the expectation that another person will reciprocate (or betray) later. A new literature is emerging to explore the role of time in these types of situations, where time and social considerations are intertwined. In many cases, time introduces (or magnifies) an element of uncertainty about future outcomes and utility that people need to deal with – what will happen, how good will it be, how will it feel. We review this emerging literature on intertemporal prosocial decision-making and discuss how new research can fill existing knowledge gaps

Extending the cooperative phenotype: Assessing the stability of cooperation across countries

This paper studies whether individual cooperation is stable across settings and over time. Involving more than 7,000 subjects on two different continents, this study documents positive correlation in cooperative behavior across economic games in Norway, Sweden, Austria, and the United States. The game measures also correlate with a tendency to make deontological judgments in moral dilemmas, and display of general trust toward strangers. Using time-variation in the data, we test whether temporal stability of behavior is similar in the United States and Norway, and find similar stability estimates for both the American and Norwegian samples. The findings here provide further evidence of the existence of a stable behavioral inclination toward prosociality – a “cooperative phenotype,” as it has recently been termed. Also in line with previous research, we find that punishment and cooperation seem to be uncorrelated.publishedVersio

The Intuitive Cooperation Hypothesis Revisited: A Meta-analytic Examination of Effect Size and Between-study Heterogeneity

The hypothesis that intuition promotes cooperation has attracted considerable attention. Although key results in this literature have failed to replicate in pre-registered studies, recent meta-analyses report an overall effect of intuition on cooperation. We address the question with a meta-analysis of 82 cooperation experiments, spanning four different types of intuition manipulations—time pressure, cognitive load, depletion, and induction—including 29,315 participants in total. We obtain a positive overall effect of intuition on cooperation, though substantially weaker than that reported in prior meta-analyses, and between studies the effect exhibits a high degree of systematic variation. We find that this overall effect depends exclusively on the inclusion of six experiments featuring emotion-induction manipulations, which prompt participants to rely on emotion over reason when making allocation decisions. Upon excluding from the total data set experiments featuring this class of manipulations, between-study variation in the meta-analysis is reduced substantially—and we observed no statistically discernable effect of intuition on cooperation. Overall, we fail to obtain compelling evidence for the intuitive cooperation hypothesis

Реализация интегративного подхода при изучении дисциплины "Патологическая физиология" в медицинском университете

МЕДИЦИНСКИЕ ВУЗЫМЕДИЦИНСКИЕ ИНСТИТУТЫОБРАЗОВАНИЕ МЕДИЦИНСКОЕПЕДАГОГИЧЕСКИЕ ТЕХНОЛОГИИОБРАЗОВАТЕЛЬНЫЙ ПРОЦЕССУЧЕБНЫЕ ДИСЦИПЛИНЫМЕЖДИСЦИПЛИНАРНЫЕ СВЯЗИМЕЖДИСЦИПЛИНАРНАЯ ИНТЕГРАЦИЯИНТЕГРАТИВНЫЙ ПОДХОДПАТОФИЗИОЛОГИЯ (ДИСЦИПЛИНА)ПАТОЛОГИЧЕСКАЯ ФИЗИОЛОГИЯ (ДИСЦИПЛИНА)ОБУЧЕНИЕ /МЕТОДЫПРЕПОДАВАНИЕМОТИВАЦИ

Addressing climate change with behavioral science: a global intervention tournament in 63 countries

Effectively reducing climate change requires marked, global behavior change. However, it is unclear which strategies are most likely to motivate people to change their climate beliefs and behaviors. Here, we tested 11 expert-crowdsourced interventions on four climate mitigation outcomes: beliefs, policy support, information sharing intention, and an effortful tree-planting behavioral task. Across 59,440 participants from 63 countries, the interventions’ effectiveness was small, largely limited to nonclimate skeptics, and differed across outcomes: Beliefs were strengthened mostly by decreasing psychological distance (by 2.3%), policy support by writing a letter to a future-generation member (2.6%), information sharing by negative emotion induction (12.1%), and no intervention increased the more effortful behavior—several interventions even reduced tree planting. Last, the effects of each intervention differed depending on people’s initial climate beliefs. These findings suggest that the impact of behavioral climate interventions varies across audiences and target behaviors