Working Papers

Working Papers
Reducing Expenses to Face the Future

We show that those who believing spending less money is the major driver of wealth allocate more to their retirement.

Working Papers
Gamification Discontinuation and Mobile Banking Behaviors

We investigate how stopping gamification affects financial institutions.

Working Papers
Labeling Debt as Ordinary versus Exceptional to Motivate Consumers to Increase Credit Card Repayments

Working paper posted at ConsumerFinance.gov after my presentation at the 5th Consumer Financial Protection Bureau annual conference.