Getting to the Top of Mind: How Reminders Increase Saving
Getting to the Top of Mind: How Reminders Increase Saving
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DOI：
10.1287/mnsc.2015.2296
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发表时间：
2016-12-01
影响因子：
5.4
通讯作者：
Zinman, Jonathan
中科院分区：
文献类型：
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作者：
Karlan, Dean;McConnell, Margaret;Zinman, Jonathan
我们提供的证据，从现场实验与三个不同的银行，提醒消息增加承诺实现的客户谁最近打开承诺储蓄账户。同时提到储蓄目标和财务激励的信息特别有效，而其他内容的变化，如收益与损失框架没有显着不同的效果。我们也没有发现证据表明收到额外的迟到提醒有累加效应。这些实证结果并不能很好地映射到现有的模型中，所以我们提供了一个简单的模型，在这个模型中，对特殊费用的有限关注可能会产生储蓄不足，而这反过来又会被提醒所缓解。
We provide evidence from field experiments with three different banks that reminder messages increase commitment attainment for clients who recently opened commitment savings accounts. Messages that mention both savings goals and financial incentives are particularly effective, whereas other content variations such as gain versus loss framing do not have significantly different effects. Nor do we find evidence that receiving additional late reminders has an additive effect. These empirical results do not map neatly into existing models, so we provide a simple model where limited attention to exceptional expenses can generate undersaving that is in turn mitigated by reminders.