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The psychology of financial consumer behavior
Traditionally, financial behaviors such as saving, spending, And investing have been explained using demographic and economic factors such as income and product pricing. The consequence of this way of thinking is that financial institutions view their clients mostly from the perspective of their income. By taking a psychological approach, This book stresses the perspective of consumers confronted with a quickly changing financial world: The changing of financial offers and products (savings, investments, loans), The changing of payment methods (from cash to cheques, cards and mobile payments), the accessibility and temptation of goods, and the changing of insurance and pension systems.The psychology of financial consumer behavior provides insight into the thought processes of consumers in a variety of financial topics. Coverage includes perceptions of wealth, The pleasure or pain of spending, cashless transactions, saving and investing, loans, planning for the future, taxes, and financial education.
Pension Systems, Demographic Change, and the Stock Market
Studies the implications of the looming demographic transition on pension systems, the stock market and individual welfare. … Readers with an interest in the economic consequences of the looming demographic transition for pension systems and the stock market will find this book very interesting even if they are not doing active research in this area. … The book is a worthy contribution to the literature on pensions and demographic transitions.
Pension Systems : Sustainability and Distributional Effects in Germany and the United Kingdom
Recently, policy debate and comparative research on old-age pensions have focused on the financial sustainability of pension systems in the face of demographic change. This study, however, also takes into account distributional effects involved in pension system structures. Theoretical, institutional and empirical analyses are combined to form a comprehensive framework for evaluating financial sustainability and distributional effects of the pension systems implemented in Germany and the United Kingdom. Along with projections of demographic trends and future public pension expenditure, the empirical results on old-age incomes and their distribution allow for identifying a number of reform options for each pension system to improve their financial or distributional results.
Costs and Benefits of Collective Pension Systems
The Dutch pension system is often praised as one of the best in the world: it is efficient, it provides certainty to participants and it preserves cohesion and solidarity among workers and pensioners. This book presents these benefits in detail. It also discusses the aspects of the system that are less favourable.
