Costly Ignorance: Enhancing Consumer Financial Decision Making

Avoiding pension information, or having too little knowledge to responsibly handle a credit card are examples of consumers’ “costly ignorance”. This dissertation therefore researches how to enhance consumer financial decision making. A first study investigates what drives differences in participants’ search for pension information, and shows that beliefs, trust and retirement anxiety are significant factors. A second study demonstrates the power of framing pension communication in a large scale field experiment. A third study reveals that older adults can offset cognitive decline and make better financial decisions because of their higher levels of experience and lower levels of negative emotions

Show Me My Future:Data-Driven Storytelling and Pension Communication

In light of current pension reforms driven by the rise in life expectancy, aging populations, and changing labor markets (Merton, 2014), communication about thosereforms and communication to get people activated is crucial. In the Netherlands,communicating efficiently via the existing communication channels is one of thebiggest challenges for the pension sector (Prast et al., 2012), as current reforms canhave severe consequences for different groups of stakeholders. Written communication (such as the yearly pension overview sent by post or email) is often notread or understood by their recipients (Elling & Lentz, 2018; Montae, 2012; PanderMaat & Lentz, 2013), possibly because this type of communication consists of wordsand numbers, which is especially unappealing to people who are used to visualcommunication. Our brain is faster in processing visual information, and we are alsobetter at remembering information transferred in visuals as opposed to text (Potteret al., 2014). Besides this, the content structure of information could be improved bymaking use of storytelling (Sax, 2006). In this paper, we first discuss the status quo ofpension communication in the Netherlands. We then summarize literature from thefields of marketing, economics, and finance on the effects of visuals and storytelling,draw from the field of human data interaction to showcase a series of applications ofvisualization and data-driven storytelling in the pension communication field, anddevelop implications for managers and scientists wanting to work on visualizationsand storytelling

Verschil moet er zijn: betere segmentatie door het combineren van databronnen

In dit artikel bespreken we hoe marketeers door databronnen te combineren tot rijkere inzichten in complexe omgevingen kunnen komen. En hoe zij vanuit deze rijkere inzichten tot een betere segmentatiemethode kunnen komen. Ter illustratie nemen we de pensioencontext als voorbeeld. We laten zien dat het gebruik van socio-demografische factoren alleen niet genoeg is voor een betekenisvolle segmentatie. We ontwikkelen het Retirement Belief Model om te identificeren welke factoren beïnvloeden of deelnemers zich informeren over hun pensioen. Om diverse factoren (sociodemografische, overtuigingen, emoties, financiële voorkeuren en kennis) in één model te kunnen testen, combineren we data uit verschillende bronnen: administratieve data, data vanuit een enquête en data vanuit experimenten. Alleen op deze manier komen we tot een volledig beeld van welke factoren relevant zijn voor informatie- en activatiegedrag van pensioendeelnemers. We gebruiken het Retirement Belief Model vervolgens voor de segmentatie van deelnemers, een grondslag voor effectieve gepersonaliseerde pensioencommunicatie

Prävention, Diagnostik, Therapie und Nachsorge des Lungenkarzinoms: Interdisziplinäre S3-Leitlinie der Deutschen Gesellschaft für Pneumologie und Beatmungsmedizin und der Deutschen Krebsgesellschaft – Kurzfassung

Die aktuelle Fassung der Leitlinie Lungenkarzinom trägt der Dynamik der Informationen in diesem Fachbereich Rechnung. Insbesondere gelten folgenden Empfehlungen: Die Vorstellung aller neu diagnostizierten Patienten im interdisziplinären pneumoonkologischen Tumorboard ist verpflichtend, das CT-Screening für asymptomatische Risikopersonen (nach Zulassung durch die Behörden), Vorgehen beim inzidentellen Lungenrundherd (außerhalb von Screeningprogrammen), molekulare Testung aller NSCLC unabhängig vom Subtyp, in frühen Stadien auf EGFR-Mutationen und in der Rezidivsituation, adjuvante TKI-Therapie bei Vorliegen einer EGFR-Mutation, adjuvante Konsolidierung mit Checkpointinhibitor bei PD-L1 ≥ 50%, Erhebung des PD-L1-Status, nach Radiochemotherapie bei PD-L1-pos. Tumoren Konsolidierung mit Checkpointinhibitor, adjuvante Konsolidierung mit Checkpointinhibitor bei PD-L1 ≥ 50% im Stadium IIIA, Erweiterung des therapeutischen Spektrums bei PD-L1 ≥ 50%, unabhängig von PD-L1Status, neue zielgerichtete Therapieoptionen sowie die Einführung der Immunchemotherapie in der SCLC Erstlinie. Um eine zeitnahe Umsetzung künftiger Neuerungen zu gewährleisten, wurde die Umstellung auf eine „living guideline“ für das Lungenkarzinom befürwortet. // The current S3 Lung Cancer Guidelines are edited with fundamental changes to the previous edition based on the dynamic influx of information to this field:The recommendations include de novo a mandatory case presentation for all patients with lung cancer in a multidisciplinary tumor board before initiation of treatment, furthermore CT-Screening for asymptomatic patients at risk (after federal approval), recommendations for incidental lung nodule management , molecular testing of all NSCLC independent of subtypes, EGFR-mutations in resectable early stage lung cancer in relapsed or recurrent disease, adjuvant TKI-therapy in the presence of common EGFR-mutations, adjuvant consolidation treatment with checkpoint inhibitors in resected lung cancer with PD-L1 ≥ 50%, obligatory evaluation of PD-L1-status, consolidation treatment with checkpoint inhibition after radiochemotherapy in patients with PD-L1-pos. tumor, adjuvant consolidation treatment with checkpoint inhibition in patients withPD-L1 ≥ 50% stage IIIA and treatment options in PD-L1 ≥ 50% tumors independent of PD-L1status and targeted therapy and treatment option immune chemotherapy in first line SCLC patients.Based on the current dynamic status of information in this field and the turnaround time required to implement new options, a transformation to a "living guideline" was proposed