Shall We Play? Use of Gamification Techniques in Investment Services

The increased use of smartphones and social media has been fuelled by pandemic Covid-19 and successive lockdowns. Investment and brokerage firms jumped at this opportunity to develop trading apps that make the investment process look like playing a game ('gamification'). This article looks at the advantages and disadvantages of this 4.0 investment innovation for retail investors.

Plastics and the coronavirus pandemic: A behavioral science perspective

With the coronavirus outbreak, new and strengthened norms of plastic dependency emerged in the Middle East and North Africa region through the desperate demand for products like face masks and other personal protective equipment (PPE), highlighting the tradeoffs between health and the environment. While the rise in demand has been considered as temporary, behavioral barriers and misperceptions might make these norms particularly sticky and hinder society's ability to transition to a circular economy. Fortunately, behavioral science offers valuable insights about why the current pandemic can actually be a catalyst to create new eco-conscious behaviors. As some behaviors are often strenuous to change and require enforcement through traditional policy solutions (e.g. regulations), behavioral science offers complementary tools that will make policies more effective. We have an opportunity to start thinking about ways to leverage behavioral insights to create new norms that promote a circular economy while ultimately ensuring proper adherence to hygiene practices to curb the spread of the virus. (PsycInfo Database Record (c) 2023 APA, all rights reserved)

COVID-19 contact tracing apps and the governance of collective action: social nudges, deliberation, and solidarity in Europe and beyond

During the COVID-19 pandemic, Digital Contact Tracing (DCT) tools were deployed by governments in Europe and beyond as a novel mobile technology to assist traditional manual contact tracing to track individuals who have come in close contact with an infected person. The public debate on this topic focused strongly on the protection of individual privacy. While this debate is important, it fails to address important governance questions–such as, for example, that DCT tools took on the role of social nudges, namely, tools of soft regulation that calibrate information flows so as to "push” people to act in ways that promote collective purposes. Social nudges include a range of norms and values that, however, are built into the technological and social features of the nudge, rather than rendering them open to public scrutiny and debate. Although the use of contact tracing apps is being phased out, the digitization of contact tracing can be seen as a case study of the broader trend towards digitization of the provision of health services. Debates of their governance thus have broader implications for the governance of data driven tools deployed for public health purposes in times of crisis. © 2022 Informa UK Limited, trading as Taylor & Francis Group.

Choice architecture for tourist decision-making in the context of the covid-19 pandemic

As more information became available on the Covid-19 outbreak worldwide, some propositions aimed at containing its spread had their roots in the behavioral sciences. Given the need to change individual behaviors inherent to the type of transmission of the new coronavirus, it is believed that the theoretical framework on choice architecture and nudges presents itself as an important instrument to guide the debate. In this sense, this article aims to identify and categorize the measures taken by tourism companies for their reopening in the context of the Covid-19 pandemic. For this, a study of multiple cases is carried out with a hotel, an airport and an international tourist attraction, which had to undergo interventions in their physical structures and processes in order to start operating again. From the analysis, it was found that most of the nudges had techniques of information translation, visibility of external information, decrease of physical effort and provision of reminders. Techniques of social norms and increase of visibility of behavior were not as explored by the companies analyzed in this study. Finally, the work documents a holistic intervention strategy in tourist behavior, which combines nudges with financial incentives and harsher forms of paternalism.

COVID-19 contact tracing apps and the governance of collective action: social nudges, deliberation, and solidarity in Europe and beyond

During the COVID-19 pandemic, Digital Contact Tracing (DCT) tools were deployed by governments in Europe and beyond as a novel mobile technology to assist traditional manual contact tracing to track individuals who have come in close contact with an infected person. The public debate on this topic focused strongly on the protection of individual privacy. While this debate is important, it fails to address important governance questions – such as, for example, that DCT tools took on the role of social nudges, namely, tools of soft regulation that calibrate information flows so as to “push” people to act in ways that promote collective purposes. Social nudges include a range of norms and values that, however, are built into the technological and social features of the nudge, rather than rendering them open to public scrutiny and debate. Although the use of contact tracing apps is being phased out, the digitization of contact tracing can be seen as a case study of the broader trend towards digitization of the provision of health services. Debates of their governance thus have broader implications for the governance of data driven tools deployed for public health purposes in times of crisis. [ FROM AUTHOR] Copyright of Policy Studies is the property of Routledge and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full . (Copyright applies to all s.)

In COVID-19 Health Messaging, Loss Framing Increases Anxiety with Little-to-No Concomitant Benefits: Experimental Evidence from 84 Countries.

The COVID-19 pandemic (and its aftermath) highlights a critical need to communicate health information effectively to the global public. Given that subtle differences in information framing can have meaningful effects on behavior, behavioral science research highlights a pressing question: Is it more effective to frame COVID-19 health messages in terms of potential losses (e.g., "If you do not practice these steps, you can endanger yourself and others") or potential gains (e.g., "If you practice these steps, you can protect yourself and others")? Collecting data in 48 languages from 15,929 participants in 84 countries, we experimentally tested the effects of message framing on COVID-19-related judgments, intentions, and feelings. Loss- (vs. gain-) framed messages increased self-reported anxiety among participants cross-nationally with little-to-no impact on policy attitudes, behavioral intentions, or information seeking relevant to pandemic risks. These results were consistent across 84 countries, three variations of the message framing wording, and 560 data processing and analytic choices. Thus, results provide an empirical answer to a global communication question and highlight the emotional toll of loss-framed messages. Critically, this work demonstrates the importance of considering unintended affective consequences when evaluating nudge-style interventions.

Testing Behavioral Nudges and Prompts in Digital Courses for the Self-guided Treatment of Depression and Anxiety: Protocol for a 3-Arm Randomized Controlled Trial.

BACKGROUND: Despite showing strong evidence of positive outcomes, a common problem in the field of digital health is poor engagement and adherence. Non-health care, for-profit digital ventures, such as Facebook, LinkedIn, and Twitter, conduct behavioral experiments to increase user engagement. To our knowledge, digital health organizations have not published similar types of experiments in ad libitum environments, and there are limited published data indicating whether nudges and prompts can be leveraged to increase engagement with digital health interventions. OBJECTIVE: The main objective of our 3-arm randomized controlled trial is to test whether registered members in two well-established digital health courses for anxiety and depression will engage with four different types of nudges and prompts, and whether engaging with nudges and prompts increases engagement within the courses. METHODS: New members who register for the self-guided anxiety and depression courses on the Evolution Health platform will be randomized into 1 of 3 arms. The first control arm will feature a member home page without any behavioral nudges or prompts. The second arm will feature a member home page with a Tip-of-the-Day section containing directive content. Arm 3 will feature a member home page with a Tip-of-the-Day section containing social proof and present bias content. The third arm will also feature a to-do item checklist. RESULTS: The experiment was designed in August 2021 and was launched in November 2021. Initially, we will measure engagement with the tips and the to-do checklist by calculating the frequency of use by age and gender. If members do engage, we will then, according to age and gender, examine whether nudges and prompts result in higher course completion rates and whether specific types of prompts and nudges are more popular than others. CONCLUSIONS: Our 3-arm randomized controlled trial will be the first to compare four distinct types of behavioral prompts and nudges in two self-guided digital health courses that were designed to treat mental health issues. We expect the results to generate insights into which types of behavioral prompts and nudges work best in the population. If they are shown to increase engagement, the insights will then be used to apply prompts and nudges to the platform's addiction-focused courses. Based on the results of the experiment, the insights will be applied to using artificial intelligence to train the platform to recognize different usage patterns and provide specific engagement recommendations to stratified users. INTERNATIONAL REGISTERED REPORT IDENTIFIER (IRRID): DERR1-10.2196/37231.

Effects of side-effect risk framing strategies on COVID-19 vaccine intentions: a randomized controlled trial.

Background: Fear over side-effects is one of the main drivers of COVID-19 vaccine hesitancy. A large literature in the behavioral and communication sciences finds that how risks are framed and presented to individuals affects their judgments of its severity. However, it remains unknown whether such framing changes can affect COVID-19 vaccine behavior and be deployed as policy solutions to reduce hesitancy. Methods: We conducted a pre-registered randomized controlled trial among 8998 participants in the United States and the United Kingdom to examine the effects of different ways of framing and presenting vaccine side-effects on individuals' willingness to get vaccinated and their perceptions of vaccine safety. Results: Adding a descriptive risk label ('very low risk') next to the numerical side-effect and providing a comparison to motor-vehicle mortality increased participants' willingness to take the COVID-19 vaccine by 3.0 percentage points (p=0.003) and 2.4 percentage points (p=0.049), respectively. These effects were independent and additive and combining both framing strategies increased willingness to receive the vaccine by 6.1 percentage points (p<0.001). Mechanistically, we find evidence that these framing effects operate by increasing individuals' perceptions of how safe the vaccine is. Conclusions: Low-cost side-effect framing strategies can meaningfully affect vaccine intentions at a population level. Funding: Heidelberg Institute of Global Health. Clinical trial number: German Clinical Trials Registry (#DRKS00025551).

Vaccination is one of the main strategies for controlling the COVID-19 pandemic. But vaccination rates have slowed and are below target levels in countries like the United States and the United Kingdom. While there are many causes of vaccine hesitancy, several studies have found that fear of side effects is the one of the most important. Although COVID-19 vaccine side-effects are rare, how the media presents these risks may amplify concerns. Addressing public concerns over vaccine side effects is key to improving the uptake of vaccines and booster doses, which has been even lower than primary vaccine series uptake. Studies show that how risk is presented affects people's risk perceptions and behavior. To learn more about how COVID-19 vaccine risk framing affects risk perception, Sudharsanan et al. enrolled 8,998 people from the United States and the United Kingdom in an online randomized controlled trial. Participants received information about a hypothetical new COVID-19 vaccine, including its side effect rate, and reported their perception of safety and whether they would take the vaccine. The experiments showed that adding the label "very low risk" when describing vaccine side effect rates increased the number of people who said they would take the vaccine by three percentage points. Comparing the risks of the hypothetical vaccine to the much higher chances of motor vehicle deaths increased an individual's willingness to take the vaccine by 2.4 percentage points. Combining both framing strategies increased people's desire to get vaccinated by 6.1 percentage points. Deploying these two strategies in vaccine risk communications may help increase primary and booster vaccinations against COVID-19. A next step would be to measure both vaccination intentions and vaccination rates to confirm these strategies.

THE CONTRIBUTIONS OF LIBERTARY PATERNALISM AND THE USE OF NUDGES IN COVID TIMES

Objective: Even with the existence of a vaccine, the success of the fight against the Coronavirus pandemic depends on the individual behavior of people, resulting in the problem of the paternalistic possibilities of public action that have as their object the manipulation of individual behaviors: the so-called nudges. This article aims to analyze the compatibility of nudges with contemporary democracies, supported by equal dignity between individuals. Methodology: In order to verify the compatibility of nudges with contemporary democracies, based on equal dignity between individuals, we start from a historical approach to liberalism, with an emphasis on Hayek and on Rawls and Sen's theories of justice. to the analysis of libertarian paternalism according to Thaler and Sunstein, who present an intermediate theory between classic libertarianism and social welfare interventionism. More specifically, nudges, their concept, their effectiveness and their possibility of being used in a democracy in the context of the Covid 19 pandemic are analyzed. This is bibliographic and documentary research, with a qualitative and quantitative approach using the hypothetical-deductive method. Results: It was concluded that nudges are shown as medium policies, that is, they operate to maximize resources so that each one has better conditions to develop their life project. As such, they are compatible with the equality of freedoms and the ideal of agency proper to democracy. Contributions: As a result, it is expected to contribute to the promotion of an environment of good personal and social decisions based on the analysis of nudges and their use in the fight against the coronavirus. © 2021, Centro Universitario Curitiba - UNICURITIBA. All rights reserved.

Tools for public health policy: nudges and boosts as active support of the law in special situations such as the COVID-19 pandemic.

In recent years, "nudging" has become a standard behavioral intervention at the individual level and for the design of social policies. Although nudges are effective, such interventions seem to be limited to a given space and time, and there is only scant evidence to support the contrary view. On the other hand, choice architects may utilize another type of intervention called "boosting," which shows the promise of generalized and lasting behavioral change. A government can use these tools to shape public policy. Behavioral interventions such as policy-making tools have their boundaries, as does the law. We argue that nudging and boosting may serve as active local or global aids in support of the legal system under certain circumstances. Nudging and boosting can also support the legal system, especially in relation to emerging social issues or events that are unprecedented, such as the recent global COVID-19 pandemic, where certain behavioral patterns are expected, but it would be difficult or impossible to enforce them through the law alone.

COVID-19 Vaccine Passport and International Traveling: The Combined Effect of Two Nudges on Americans' Support for the Pass.

Immunity passports have the potential to allow large-scale international traveling to resume. However, they can only become an effective tool if they are widely supported by the general public. We carry out a double blind randomized online experiment with a sample of N=4000 Americans to study (i) whether two nudges can increase the level of support for a COVID pass for international traveling, (ii) the relationship between the effects of the nudges, and (iii) if these nudges have a negative spillover on the intention to get vaccinated. We find that both nudges increase the support for the COVID pass and that their impact is stronger when they are used together. Moreover, we find that the two nudges do not negatively affect intentions to get vaccinated. Our findings have important implications for policymakers and for the nascent literature on the interaction between multiple nudges.

Digital Phenotypes for Understanding Individuals' Compliance With COVID-19 Policies and Personalized Nudges: Longitudinal Observational Study.

BACKGROUND: Governments promote behavioral policies such as social distancing and phased reopening to control the spread of COVID-19. Digital phenotyping helps promote the compliance with these policies through the personalized behavioral knowledge it produces. OBJECTIVE: This study investigated the value of smartphone-derived digital phenotypes in (1) analyzing individuals' compliance with COVID-19 policies through behavioral responses and (2) suggesting ways to personalize communication through those policies. METHODS: We conducted longitudinal experiments that started before the outbreak of COVID-19 and continued during the pandemic. A total of 16 participants were recruited before the pandemic, and a smartphone sensing app was installed for each of them. We then assessed individual compliance with COVID-19 policies and their impact on habitual behaviors. RESULTS: Our results show a significant change in people's mobility (P<.001) as a result of COVID-19 regulations, from an average of 10 visited places every week to approximately 2 places a week. We also discussed our results within the context of nudges used by the National Health Service in the United Kingdom to promote COVID-19 regulations. CONCLUSIONS: Our findings show that digital phenotyping has substantial value in understanding people's behavior during a pandemic. Behavioral features extracted from digital phenotypes can facilitate the personalization of and compliance with behavioral policies. A rule-based messaging system can be implemented to deliver nudges on the basis of digital phenotyping.

The impact of public health messaging and personal experience on the acceptance of mask wearing during the COVID-19 pandemic.

Face coverings have been shown to slow the spread of COVID-19, yet their use is not universal and remains controversial in the United States. Designing effective nudges for widespread adoption is important when federal mandates are politically or legally infeasible. We report the results from a survey experiment in which subjects were exposed to one of three video messages from President Trump, and then indicated their preference for wearing a mask. In the first video, the President simply recited the Centers for Disease Control and Prevention (CDC) guidelines. In the second, the President additionally emphasized that wearing a mask is optional. In the third video, the President added that he will not personally wear a mask. We find that exposure to presidential messages can increase the stated likelihood of wearing a mask-particularly among the President's supporters. We also explore experiential effects of COVID-19, and find that people (especially supporters of the President) are more likely to support wearing a mask if they know someone who has tested positive for COVID-19. These results offer guidance to policy makers and practitioners interested in understanding the factors that influence viral risk mitigation strategies.

Exponential-growth prediction bias and compliance with safety measures related to COVID-19.

OBJECTIVE: We define prediction bias as the systematic error arising from an incorrect prediction of the number of positive COVID cases x-weeks hence when presented with y-weeks of prior, actual data on the same. Our objective is to investigate the importance of an exponential-growth prediction bias (EGPB) in understanding why the COVID-19 outbreak has exploded. To that end, our goal is to document EGPB in the comprehension of disease data, study how it evolves as the epidemic progresses, and connect it with compliance of personal safety guidelines such as the use of face coverings and social distancing. We also investigate whether a behavioral nudge, cost less to implement, can significantly reduce EGPB. RATIONALE: The scientific basis for our inquiry is the received wisdom that infectious disease spread, especially in the initial stages, follows an exponential function meaning few positive cases can explode into a widespread pandemic if the disease is sufficiently transmittable. If people suffer from EGPB, they will likely make incorrect judgments about their infection risk, which in turn, may lead to reduced compliance of safety protocols. METHOD: To collect data on prediction bias, we ran an incentivized, experiment on a global, online platform with participation from people in forty-three countries, each at different stages of progression of COVID-19. We also constructed several indices of compliance by surveying participants about their frequency of hand-washing and use of sanitizers and masks; their willingness to pay for masks; their view about the social appropriateness of others' behavior; and their like/dislike of government responses. The prediction data was used to construct several measures of EGPB. Our experimental design permits us to identify the root of under-prediction as EGPB arising from the general tendency to underestimate the speed at which exponential processes unfold. RESULTS: Respondents make predictions about the path of the disease using a model that is substantially less convex than the actual data generating process. This creates significant EGPB, which, in turn, is significantly and negatively associated with non-compliance with safety measures. The bias is significantly higher for respondents from countries at a later stage relative to those at an early stage of disease progression. A simple behavioral nudge that shows prior data in terms of raw numbers, as opposed to a graph, causally reduces EGPB. CONCLUSION: Behavioral biases concerning the comprehension of disease data are quantitatively important, and act as severe impediments to effective policy action against the spread of COVID-19. Clear communication of future infection risk via raw numbers could increase the accuracy of risk perception, in turn, facilitating compliance with suggested protective behaviors.