TFI Research Reports

Below you will find all information about the selected and completed Think Forward Initiative research projects.

Impacts of Sharing Economy Entry and Regulations on Financial Delinquencies - Jinan Lin, Tingting Nian and Vijay Gurbaxani 

Dynamics and Determinants of Housing Tenure Choice in Europe - Pedro Gete and Athena Tsouderou

Increasing Engagement with retirement through personalised communication? - Emir Efendić, Elisabeth Brüggen, Mark Graus

The Effects of Robo-Advisers on Stock Market Participation and Household Investment Behavior - Vincent Skiera

Gamification Can Help Consumers Reach Their Saving Goals - Nethal Hashim, Irene Scopelliti, Janina Steinmetz

Income Prediction Bias in The Gig Economy - Ray Charles “Chuck” Howard, David J. Hardisty, And Dale W. Griffin

Mapping The Customer Journey of The New Generation of Payday Borrowing - Ronnie Das, Robert De Boer, And Frederik Situmeang

Impressed By Numbers: The Consumer Bias Towards Precise Numerical Information in A Context of Uncertainty - Eleonore Batteux, Avri Bilovich, Samuel Johnson, David Tuckett

The Impact of Education on Savings and Financial Behavior - Abdurrahman B. Aydemir

The Effect of Access Opportunities on Spending Versus Saving - Baris Depecik and Ozgun Atasoy

Privacy Risks, Personal Customer Environments, And the Use of Financial Support Tools - Benedict Dellaert, Joris Demmers, And Kristian Rotaru

Living Gig to Gig and Paycheque to Paycheque: How Income Volatility Affects Financial Decisions - Johanna Peetz and Jennifer Robson

Gender Gap in Financial Literacy and Within Household Specialization - Maddalena Davoli and Jia Hou

Financial Inequality Within Couples: How Does It Affect Financial Risk-Taking? - Dimitris Christelis, Dimitris Georgarakos and Tullio Jappelli

Using Robo-Advisers as Commitment Devices - Alexia Gaudeul and Caterina Giannetti

Budget Depreciation: When Budgeting Early Increases Spending - Yuna Choe and Christina Kan

Dynamic Budget Monitoring: When Access to Budget Feedback Leads to Increase in Spending - Anastasiya Pocheptsova Ghosh & Liang Huang

Cancer And Portfolio Choice: Evidence from Norwegian Register Data - Trond Doeskeland & Jens Kvaerner

Insuring Longevity Risk While Having Multiple Saving Accounts - Abigail Hurwitz & Orly Sade

How Convoluted Language Affects the Way Consumers Understand and Purchase Financial Products - Mario Kienzler, Kinga Barrafrem & Daniel Västfjäll

Self-Control, Future Time Perspective and Savings - The Keys to Perceived Financial Well-Being - Leonore Riitsalu & Fred Van Raaij

Borrowing In Response to Windfalls - Arna Olafsson & Michaela Pagel

Commission Bans Spur Portfolio Efficiency and Trust in Financial Advice - Steffen Meyer & Charline Uhr

How Does Financial Distress Relate to Mental Health? - Olga Goldfayn-Frank & Yuri Pettinicchi

Equality In Joint Savings and Inequality in Individual Savings Within Families - Merike Kukk & Fred Van Raaij

Financial Literacy and Attitudes to Cryptocurrencies - Georgios Panos and Tatja Karkkainen

Empowering People to Better Forecast Their Future Expenses and Savings: The Role of Risk Information - Dilek Önkal, Wasim Ahmed & Shari De Baets

Immersive Vr Technologies: Not Always the Best Option for Our Saving Behaviour- Andrea Weihrauch &Tobias Schlager

Persistent Chasing of Past Performance When Selecting Mutual Funds - Leonardo Weiss-Cohen, Philip W.S. Newall & Peter Ayton

Fostering Old-Age Saving Under Incomplete Rationality - Krzysztof Makarski, Artur Rutkowski, & Joanna Tyrowicz

Effective Financial Education for Entrepreneurs - Catalina Estrada-Mejía, María Piedad Valero, And Daniela Castaño

Timing Is Everything: How to Stimulate Debtors to Pay Up - Gea Schonewille, Minou Van Der Werf and Dörthe Kunkel (Nibud)

An Exploratory Spatial Analysis of Access to Physical and Digital Retail Banking Channels in The UK - Andra Sonea, Weisi Guo, And Stephen Jarvis

Addressing The Challenge of Problematic Debt: Australia and Eurozone - Daniel Richards, Abdullahi Ahmed, And Muhammad Tahir

A Social Norm Nudge to Save More - Robert Dur, Dimitry Fleming, Marten Van Garderen and Max Van Lent

The Effect of Coins on Spending - Jay Zenkić, Kobe Millet, And Nicole Mead

Reducing Financial Hardship by Establishing Contact - Felix Uhl, Claartje Ter Hoeven & Marieke Fransen

The Benefits of Joint and Separate Financial Management of Couples - Fred Van Raaij, Gerrit Antonides & Manon De Groot

Why The Reference Point Matters - Piotr Zielonka

Polish Students and Money - Malgorzata Pawlak & Adam Szyszka

Fintech And Consumer Financial Well-Being in The Information Age - Michaela Pagel, Arna Olafsson & Bruce Carlin

How Family Members Manage Household Money - Merike Kukk and Fred Van Raaij

Digital Connectedness in Developing Countries and Its Potential Impact on Financial Services - Sudha Vijay, Anne Marie Van Swinderen & Simon Bailey

Social Media Impact on Household Investors and Their Stock Markets Participation - Eric Tham

The Effect of Warnings on Irresponsible Online Purchase Behaviour - Benjamin Timmermans, Monique Van Maare and Eva Zinger-Mityok

The Effects of Longevity on Financial Vulnerability - Magda Malec, Krzysztof Makarski and Joanna Tyrowicz

Financial Control: Are Cashless Payments Making It Easier or Harder to Feel in Control of Our Finances? - Emma Woodley And Jez Groom

Personality Traits and Household's borrowing behaviour - Olga Goldfayn and Nathanael Vellekoop

The Marketer’s Antagonist: Leveraging Behavioural Science to Reduce Unnecessary Spending Behaviour - Garrett Meccariello and Tobias Nasgarde

Winners And Losers of Marketplace Lending - Sudheer Chava and Nikhil Paradkar

Financial Literacy and Vulnerability: Lessons from Actual Investment Decisions - Milo Bianchi

Multi-Level Marketing Participation and Social Connectivity - Claes Bäckman & Tobin Hanspal