Wicked defaults: how to overcome the dark side of choice architecture

该项目旨在研究如何使用默认值和产品复杂性来利用消费者在消费者容易犯系统性错误的环境中，如私人保险。器官捐赠被用来推动个人采取对社会有益的行动，如增加退休储蓄和加入器官捐赠者名单。然而，在公司手中，违约也可以用来剥削消费者，鼓励选择，帮助公司，但不利于消费者。该项目旨在通过实验研究是否可以通过基于消费者反馈的竞争和声誉建设系统来减少剥削。

This project aims to investigate how defaults and product complexity might be used to exploit consumers in environments like private insurance where consumers are prone to making systematic errors. Defaults are used to nudge individuals into socially beneficial actions such as increasing their retirement savings and joining organ donor lists. However, in the hands of firms, defaults can also be used to exploit consumers by encouraging choices that help the firm but disadvantage consumers. The project intends to study experimentally whether exploitation can be reduced via competition and reputation building systems based on consumer feedback.