Promoting Financial Inclusion: New Policies and Technological Innovations through Digital Finance (2018)YES! Team2019-11-18T12:42:22+01:00
The media continually reports about the failure to provide help. For example, the failure to provide help in the case of a deceased pensioner in an Essen bank. The phenomenon can be seen in almost every country and happens in very different situations, for example mobbing, racism, accidents and attacks, where many people do not intervene and help even though they could. In addition to the personal suffering of the victim, failure to assist has social consequences for society as it reduces macroeconomic welfare. ‘Nudges’ could be a way of increasing the willingness to help. A nudge is a method that influences the behaviour of people without having to resort to bans or laws or having to change social incentives. Nudges are becoming a more popular way of influencing people’s behaviour as new laws or regulations do not have to be issued as policy. Nudges could help to overcome individual blocks such as fear or uncertainty concerning responsibility, thus increasing the level of social welfare.