How to motivate people to save more money?

This paper argues that traditional indicators of financial behaviour are flawed, and that in Eastern Europe, in particular reference to Poland, psychological factors are more important.

How to motivate people to save more money?

Dominika Maison and Tomasz Opalski Dom Badawczy Maison and ING Bank

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Introduction - the psychological background of financial behaviour

Traditional ways of explaining financial behaviours (including saving behaviour) use demographics (e.g. age, gender) and economic factors (mostly income and price of the product). Therefore it is often believed that people who have more money at their disposal (higher income) should have greater savings than those who have less money. Analogically, those who have more money should be more interested in...

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