Empowering People to Make Optimal Decisions

User data is just a story of the past if companies don’t understand their clients.
Together we can tell the whole story.

We are obsessed with empowering individuals to better understand their decision-making, bridging the gap between intentions and outcomes.

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Shorten the trust cycle and nurture deeper, more impactful, and profitable client relationships.

Our Behavioral Intelligence Technologies guide customers' choices to align with their long-term goals, empowering them to make informed decisions for their well-being at every key touch point throughout the client journey.

Research and publications

Retirement Mindset Matters

Goldman Sachs Asset Management, in collaboration with Behave Technologies (formerly Syntoniq), explores behavioral factors influencing Americans' retirement savings in a supplement to their Retirement Survey & Insights Report 2023. The study identifies how four behavioral traits are related to greater financial preparedness. Findings stress the importance of incorporating behavioral insights for personalized retirement...

Goldman Sachs Asset Management, in collaboration with Behave Technologies (formerly Syntoniq), explores behavioral factors influencing Americans' retirement savings in a supplement to their Retirement...

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The Behavioral Economics Guide 2023

The Behavioral Economics Guide is the industry’s definitive publication on the latest thinking, trends, and resources in the fields of behavioral economics and behavioral insights. The publication is edited every year by Alain Samson, Behave Technologies’ Chief Science Officer, and published on BehavioralEconomics.com. The 2023 edition includes an introduction by Sheena Iyengar and William Duggan...

The Behavioral Economics Guide is the industry’s definitive publication on the latest thinking, trends, and resources in the fields...

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Investor Risk Profiling: A Behavioral Approach

Investing wisely is a cornerstone of financial success, and a crucial aspect of this is understanding an investor's risk appetite. Whilst traditional risk assessments used by financial advisors have focused on objective indicators of risk capacity along with simple subjective self-assessments, the goal of emerging approaches is to...

Investing wisely is a cornerstone of financial success, and a crucial aspect of this is understanding an investor's risk appetite...

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Is Mental Accounting Universal?

In behavioral economics, the concept of mental accounting refers to the observation that people’s perception of value varies by context, including the origin and intended use of money. Large-scale research across 21 countries was recently conducted to see if various mental accounting studies can be replicated. The findings summarized in this post strongly support the theory of mental accounting across...

In behavioral economics, the concept of mental accounting refers to the observation that people’s perception of value varies by...

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Uncover the Science Behind Employees’ Financial Behaviors

This report, written in partnership with MetLife UK, sets out to build a business case for why employers should push financial wellbeing to the top of their agenda. The paper discusses how a behavioral approach can help employers motivate employees to create good financial habits and offers behavioral techniques that can increase...

This report, written in partnership with...

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Evolutionary Psychology and Economics

How does evolution shape behavior? Economists believe that individuals have well-defined preferences that they can rank, which can be expressed in a utility function. In economic theory, preferences determine behavior aimed at achieving the highest possible value (i.e. maximize utility). This book chapter asks whether the concepts of preferences and utility are consistent with evolutionary...

How does evolution shape behavior? Economists believe that individuals have well-defined preferences that they can rank...

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Finding the Right Nudge for Your Clients

Financial advisors’ role is shifting towards a more holistic approach akin to financial life coaching. To add value, many have started to add behavioral finance insights to their work. They may also choose to leverage behavioral nudges based on insights from behavioral economics and social psychology. This article explores various types of nudges and applications that address client-specific...

Financial advisors’ role is shifting towards a more holistic approach akin to financial life coaching. To add value, many have...

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