Topic: Personal Finance

Environmental, Social and Corporate Governance business strategy investing concept. Research Brief / Investing

Political Football: Inclusion of ESG Funds in 401(k)s

In nation accustomed to litigation, availability of funds has varied by U.S. Circuit Court boundary

A mobile phone showing cashless payments Research Brief / Personal Finance

Cashless Payments: Faster Transactions, Easier Borrowing and Increased Household Income

System provides digital record of payments for India’s vast self-employed ranks, satisfying lenders, and raising the likelihood of starting a business

Abstract digital generated eyes looking around and the yellow one standing out from the crowd. Research Brief / Banking

Why Do Banks With Little Skin in the Game Still Monitor Borrowers?

Tax policy change triggers an incentive for lenders to be more aggressive

An older man fills out forms in front of a bank teller while an older woman on the right talks to a bank teller. Research Brief / Banking

Mobile Banking, a Boon to Many, Disadvantages Those Who Bank at Branches

Banks close neighborhood outlets and raise prices for branch-delivered services

Book Review / Behavioral Decision Making

Overcoming Obstacles to Taking Better Care of Your Future Self

Hal Hershfield’s book offers research-backed methods to build a healthier, happier, more financially secure life

A small, medium and large cup of black coffee each in a white cup on a white saucer Research Brief / Consumer Behavior

What’s Behind the Consumer Preference for the Middle Ground

Capturing how decisions are driven by a habitual preference for moderation

Visual illustration of data Research Brief / Investing

A Solution to the Debate over Momentum’s Cause?

Investors may underreact when information arrives in small, continuous bits

Computer screen with stock trading software Research Brief / Trading

One Data Set That Warns Against Margin Trading

As a group, Chinese futures traders more likely to suffer margin call than to profit

Research Brief / Nudges

Fresh-Start Framing Boosts Retirement Plan Participation

A behavioral nudge passes a real-world test with 6,000 workers

Close-up angled image of someone's eye. The eye is reflecting a beach landscape Research Brief / Personal Finance

Do Money Troubles Make It Harder to Daydream?

Popular notion that the poor console themselves with fantasy is perhaps more a comfort to the rich

Elderly couple looking through paperwork and receipts Research Brief / Banking

Did Bank Capital Rules Make Credit Card Borrowing More Expensive?

Though defaults are low, rates on credit card loan-backed notes are high

A person crossing the street and holding three Gucci shopping bags Research Brief / Nudges

Does Spending Mean You’re Wealthy?

To many, yes, and that belief leads to lower levels of financial well-being

Overview of a downtown city scape Research Brief / Unemployment

Consumer Spending and Jobless Data: a Peculiar Threshold

A 12-month high in local unemployment triggers savings behavior

Woman paying bills with a computer Research Brief / Student Loans

Education Pays Off Handsomely, but Borrowing for It Makes People Unhappy

Student debt weighs on happiness more than mortgages or credit card loans

Illustration of binoculars Research Brief / Marketing

When Does the Future Begin?

Believing it arrives sooner leads people to, well, prepare for it

Aerial shot of downtown Los Angeles freeways Research Brief / Housing

Rising Rents Force Families to Curtail Spending on Food and Health Care

Cost burdens affect half of U.S. households that rent, as housing shortage worsens