时间：2026年5月11日 14：00
地点：邵逸夫科学馆401
题目：Attention and Personalization In Promoting Retirement Savings: Evidence From Two Field Experiments
内容摘要：We collaborate with a bank to conduct two large-scale field experiments (N = 36,116) promoting China’s newly launched first-ever voluntary personal retirement savings plan through automated calls. We find that financial interventions highlighting tax benefits and compound interest outperform the industry-standard bonus by about 30% in improving call listening behavior. Behavioral nudges targeting time misperception, bequest motives, and procrastination also yield significant gains between 4%-8%. Investigating subsequent app browsing dynamic patterns uncovers novel evidence of an attention–memory–action process, triggered by time-sensitive cues such as tax deadlines and traditional holidays, highlighting the need to evaluate nudge effects beyond immediate responses. Algorithmically personalized scripts further increase listening by 6.2% and browsing by 17.4%, showcasing the value of personalized nudges. Our findings contribute to the literature on retirement savings, attention, and nudges by showing how scalable, low-cost, and personalized interventions can address the global challenge of low participation in voluntary retirement saving schemes.
主讲人介绍：陈泽阳，中国人民大学劳动人事学院劳动经济系讲师。研究兴趣包括行为与实验经济学、劳动经济学。于2022年获得北京大学光华管理学院经济学博士学位，于2017年获得北京大学光华管理学院经济学学士学位与中文系中国语言文学学士双学位。论文发表于Management Science, Journal of Economic & Behavioral Organization、《金融研究》。正在主持国家自然科学基金青年项目。
