Publications

A Behaviorally Informed Financial Education Program for the Financially Vulnerable: Design and Effectiveness

December 2022 – Ernst-Jan de Bruijn, Gerrit Antonides, and Tamara Madern – Frontiers in Psychology Financially vulnerable consumers are often associated with suboptimal financial behaviors. Evaluated financial education programs so far show difficulties to effectively reach this target population. In our attempt to solve this problem, we built a behaviorally informed financial education program incorporating […]

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Poverty and Economic Decision Making: A Review of Scarcity Theory

March 2022 – Ernst-Jan de Bruijn and Gerrit Antonides – Theory and Decision Poverty is associated with a wide range of counterproductive economic behaviors. Scarcity theory proposes that poverty itself induces a scarcity mindset, which subsequently forces the poor into suboptimal decisions and behaviors. The purpose of our work is to provide an integrated, up-to-date,

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Determinants of Financial Worry and Rumination

January 2020 – Ernst-Jan de Bruijn and Gerrit Antonides – Journal of Economic Psychology Significant parts of populations in developed countries frequently worry and ruminate about their finances. Financial worry and rumination can have serious psychological consequences, resulting in lower psychological well-being, mental-health problems, and impaired cognitive functioning. The literature lacks studies investigating the socio-demographic

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