Publications
The FMCA regularly publishes articles and papers on consumer behaviour.
- Consumer credit and financial vulnerability
(November 2024; pdf, 740 kB) - Technical annex consumer credit
(November 2024; 1.1 MB) - Helping customers pay their BNPL-bill on time
(April 2024; pdf, 670 kB) - Risks in the choice environment of crypto apps
(April 2024; pdf, 1 MB) - Barriers to managing money online
(January 2023; pdf, 2 MB) - In close-up: sustainable investors
(November 2022; 1,1 MB) - Comparing Wealth Effects of Saving and Index Investment
(March 2022; pdf, 1 MB) - Default as advice? A survey experiment on preselecting pension choices and the Endorsement effect
(June 2021; pdf, 1,7 MB) - Discussion paper on the role of disclosures
(October 2021; pdf, 340 kB) - FMCA report on Consumer Behaviour: understanding, guiding and measuring
(March 2021; pdf, 560 kB) - AFM- Consumer testing pre-contractual and periodic ESG financial product information - EIOPA
(February 2021) - The Effects of Nudging on Pension Savings Decisions - paper Netspar
(September 2020; pdf, 59 kB)) - Consumers accept more risk and lower returns on sustainable investments
(September 2020; pdf, 780 kB) - Do more choices lead to different choices in insurance?
(December 2019) - Making it easier to borrow responsibly - The effect of online choice architecture on consumer borrowing behaviour
(November 2019; pdf, 840 kB) - Disclosure: a joint report from the Australian Securities and Investments Commission (ASIC) and the FMCA on legally mandated information to consumers
(October 2019; pdf, 3,7 MB) - A randomized controlled trial on the effectiveness of mandatory investment information
(February 2019) - Investor Risk Perception in the Netherlands - a research paper
(Originally published May 2018, in collaboration with Radboud University, Nijmegen; pdf, 800 kB) - Prefilling income and expenditures has large and unwanted effects on telephone credit applications: a field experiment
(Originally published March 2018) - A new take on low interest rates and risk taking
(Originally published March 2018) - A closer look at consumer borrowing
(Originally published January 2018; pdf, 430 kB)) - Caution! Borrowing money costs money - A study of the effectiveness of a warning in credit advertisements
(Originally published December 2016; pdf, 1 MB) - Applying behavioural insights to promote better credit decisions
(Originally published October 2016; pdf, 370 kB) - FMCA and the application of behavioural insights
(Originally published October 2016; pdf, 385 kB) - The Effects of Risk Framing, Balanced Information and a Regulatory Seal of Approval on Investor Perception and Behavior
(September 2016) - How does disclosure in advertisement affect investor behavior?
(September 2016) - Self-directed investors: important insights
(December 2015; pdf, 530 kB) - Standardized products and consumer financial decision-making
(March 2015; pdf, 900 kB)