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Lauhoff C: So werden aus Einmal- und
Mehrfachspendenden Dauerspendende. Digi

So werden aus Einmal- und Mehrfachspendenden Dauerspendende. Digital Nudging im E-Mail-Marketing bei Non-Profit-Organisationen

This Palgrave Pivot develops an interdisciplinary approach to household financial decision-making by integrating behavioral finance, consumer finance, financial planning, and human-centered artificial intelligence. Moving beyond investor- and market-focused traditions, it situates financial risk tolerance, financial stress, and dynamic behavioral signals within the lived contexts of households, advisors, and institutions. The book reconceptualizes risk tolerance as a time-varying behavioral construct, positions financial stress as a core mechanism shaping decision-making and well-being, and introduces a framework of behavioral signals, including consumer complaints, sentiment, and market mood, that may precede price movements.It further examines how machine learning and AI can interpret these signals while reshaping financial advice, alongside their methodological limits and ethical implications for accountability and client autonomy. By linking psychological states, behavioral data, and advisory practice, the book offers a structured research agenda for behavioral personal finance and contributes to debates on financial well-being, vulnerability, and technology-mediated decision-making. It will be of interest to scholars and advanced students in behavioral finance, financial planning, consumer science, and decision psychology, as well as practitioners and policymakers concerned with AI and household financial behavior.Wookjae Heo
 is Associate Professor of Consumer Science at Purdue University. His research focuses on financial risk tolerance, financial stress, consumer financial behavior, and the application of machine learning and natural language processing in personal finance. He has published widely in leading journals in consumer finance and financial planning and is known for advancing behavioral personal finance as an interdisciplinary field linking household decision-making, well-being, and human-centered AI.

This Palgrave Pivot develops an interdisciplinary approach to household financial decision-making by integrating behavioral finance, consumer finance, financial planning, and human-centered artificial intelligence. Moving beyond investor- and market-focused traditions, it situates financial risk tolerance, financial stress, and dynamic behavioral signals within the lived contexts of households, advisors, and institutions. The book reconceptualizes risk tolerance as a time-varying behavioral construct, positions financial stress as a core mechanism shaping decision-making and well-being, and introduces a framework of behavioral signals, including consumer complaints, sentiment, and market mood, that may precede price movements.It further examines how machine learning and AI can interpret these signals while reshaping financial advice, alongside their methodological limits and ethical implications for accountability and client autonomy. By linking psychological states, behavioral data, and advisory practice, the book offers a structured research agenda for behavioral personal finance and contributes to debates on financial well-being, vulnerability, and technology-mediated decision-making. It will be of interest to scholars and advanced students in behavioral finance, financial planning, consumer science, and decision psychology, as well as practitioners and policymakers concerned with AI and household financial behavior.

Risk Tolerance, Financial Stress, and Human-Centered AI

Behavioral Personal Finance

From artificial intelligence to identity theft and increasing concerns about privacy and sustainability, consumer issues are an integral part of daily life. This updated fifth edition of Consumer Economics offers students an accessible and thorough guide to the concerns surrounding the modern consumer and brings to light the repercussions of making uninformed decisions in today's global economy.This definitive textbook introduces students to these potential issues and covers key topics, including consumer behavior, the history of the consumer movement, personal finance, legal rights and responsibilities, as well as marketing and advertising. Combining theory and practice, students are introduced to both the fundamentals of consumer economics and how to become better-informed consumers themselves. Highlights in this new edition include:¿ new case studies and projects to encourage students to develop their critical thinking skills through analyzing global consumer issues ¿ coverage of the influence of AI, FinTech and digital platforms on everyday decision-making ¿ expanded discussion of cybersecurity, data privacy and ethical consumerism ¿ revised consumer alerts: practical advice and guidance to help students make smart consumer decisions ¿ PowerPoint slides and a test bank of questions for each chapter.This textbook is suitable for students studying consumer sciences to understand what works, what doesn't and how consumers are changing.

Issues and Behaviors

Consumer Economics

Harriman House Essentials

The Illusion of Choice

Palgrave Studies in Public Debt, Spending, and Revenue

This book examines the interplay of professional norms and political accountability in the process of making decisions about whether, how, and how much debt state and local governments should incur. The careful analysis of accountability in actual decisions, focusing particularly on whether and how individual and collective decision-making behavior responds to general (stipulated) norms and situational (negotiated) expectations in their broader social contexts, is a familiar approach in the study of management and public organizations generally, but has not been extensively applied to this area of public financial decision making. Political economists, especially those identified with the public-choice approach, have done extensive macro-level normative and theoretical analysis of public debt, but not in an empirically rich fashion. This book therefore constitutes a missing link that uses analyses of selected cases to advance conceptual understandings of organizational accountability spaces in general, and decisions to incur public indebtedness and the implications of those decisions specifically, by examining the intersection of the macro, meso, and micro levels of expectations for and practices of public financial decision making.

Professionalism and Accountability in Public Finance Decision-Making

Debt Reckoning

Winner of the Axiom Business Book Awards 2025 Discover why true wealth extends far beyond your bank balance - and how to achieve it. We find ourselves at a crossroads. We all know that true wealth is about far more than money. Wealth is friends, family, health, a vocation, command of your time, leisure, and whatever else is important to you. And yet, we are all guilty of acting as if money alone is wealth and an end in itself. How do we navigate this crossroads to find the right balance between monetary wealth and true, soulful wealth? Enter Daniel Crosby - behavioural finance expert and author of the smash hits The Laws of Wealth and The Behavioral Investor. In The Soul of Wealth, Daniel presents 50 short essays exploring what wealth really is and provides practical suggestions for changing your thinking and actions in small, powerful ways. You'll learn: - How your spending reveals your values - That money can buy happiness if spent well - What makes a good financial plan - Why willpower is overrated - How to master delayed gratification for the ultimate wealth hack - Why anything worth doing carries some risk - And much, much more! Accessible and inspirational, The Soul of Wealth is the ultimate compendium of the world's best behavioural and personal finance knowledge. It will challenge your thinking, rekindle forgotten truths, and empower you to embrace a new relationship with your money. Now part of the Harriman House Essentials Collection, a series showcasing the very best of business and finance books.

The Soul of Wealth

BestMasters

Die vorliegende Studie untersucht, welche psychologischen Faktoren Menschen dazu bewegen, regelmäßige Dauerspenden in Form von Patenschaften oder regelmäßigen Förderspenden an Mission ohne Grenzen e. V. zu leisten. Mithilfe einer empirischen Online-Befragung wurde statistisch analysiert, welchen Einfluss die Konstrukte Commitment, Zufriedenheit, Vertrauen, Identifikation und Loyalität sowie Kommunikationsmaßnahmen wie Spendermagazin, Homepage und Spendenbriefe auf die Spenderbindung haben. Die Ergebnisse zeigen insbesondere, dass Commitment und Identifikation die wichtigsten Determinanten von Dauerspenden sind und durch gezielte Fundraising- und Kommunikationsmaßnahmen gestärkt werden können.

Eine Untersuchung der psychologischen Determinanten von Spenderbindung

Patenschaften, Dauerspenden und Relationship-Fundraising

An unsparing challenge to conventional thinking about data regulation, showing that privacy laws choke off beneficial technologies without protecting society and individuals from harm. Ask anyone about the downsides of the digital economy, and one of the first concerns that comes to mind will be privacy. Indeed, activists and politicians increasingly talk about data privacy as though it were a fundamental human right. In this boldly contrarian rejoinder, Omri Ben-Shahar argues that many privacy laws are worse than useless. They do nothing to address the serious social problems of our data-soaked world-think, for instance, of algorithmic discrimination, concentrated platform power, or social media's impact on mental health. Meanwhile, promising digital technologies are held back by privacy regulations. Tracking devices that provide feedback on dangerous driving could cut fatal car crashes by 30 percent, yet they are prohibited in California. Facial recognition technology has already been used to rescue thousands of victims of human trafficking, yet it is largely banned in the EU. And machine-learning analysis of electronic health records would be a boon to biomedical research, but privacy rules often stand in the way. Fear of Data offers a new paradigm for the age of AI: We should think about data not in terms of individual rights but as a shared concern, like the environment. Technology's pollution of our digital commons can be remediated only through collective action. And just as we regulate factory emissions without shutting down factories altogether, so we can regulate data technologies without giving up all the good they have to offer. Drawing on the latest research and vivid real-world cases, Ben-Shahar helps us navigate the cost-benefit trade-offs that will enable a future of data-enriched flourishing.

How Privacy Panic Led Tech Regulation Astray—and How to Fix It

Fear of Data

A blueprint for how we can collectively build a thriving world, from a leading behavioural scientistEat healthily, cut back on alcohol, quit smoking, cycle to work, fly less - we all know what we should be doing. So why aren't we?The answer is both simple and radical: the world is stacked against us. From the moment we wake up, our decisions are shaped by the shops we visit, the streets we walk, the ads we scroll through. These environments are not neutral. They are designed for our convenience and immediate gratification, and to serve the interests of four industries: tobacco, ultra-processed food, alcohol and fossil fuels.Together, these industries drive the climate crisis, from greenhouse gas emissions to deforestation, and contribute to at least one in four deaths worldwide. Yet we are told the problem is one of personal responsibility - that with more information, smarter habits or new technologies, we can change our behaviour.This book challenges those myths. Drawing on decades of cutting-edge science and compelling case studies from around the world, leading behavioural scientist Theresa Marteau explores what actually works, and why those in power keep failing to act on the evidence. From taxing sugary drinks in Mexico to redesigning streets in Paris, from restricting junk food advertising in London to electing more women to office, Marteau shows how proven interventions applied at scale could transform our health and the health of our planet.Clear-eyed and incisive, this is an inspiring blueprint for how together, citizens and governments can push back against corporate power and build a better, brighter future.

How Four Industries Are Making Us Sick, and How We Can Reclaim Control

Pushback

Jus Privatum

Die Bagatelle im Zivilrecht

Dieses Lehrbuch bietet einen fundierten, praxisnahen Einstieg in die Welt der Customer Journeys. Es erklärt die psychologischen Grundlagen von Kaufentscheidungen, beleuchtet Touchpoints in digitalen und analogen Kanälen und zeigt, wie Erlebnisse entlang der gesamten Journey gesteuert und optimiert werden können.Neben etablierten Modellen und Ansätzen werden aktuelle Entwicklungen berücksichtigt, darunter datengetriebene Personalisierung, Künstliche Intelligenz, Marketing Automation sowie und AR/VR. Instrumente wie Customer Journey Mapping, Personas und Moments of Truth werden ebenso vorgestellt wie Methoden zur Analyse, Messung und Gestaltung von Customer Experiences.Die Inhalte sind didaktisch klar aufbereitet und durch Beispiele, Lernziele sowie Wissenschecks ergänzt. Das Lehrbuch vermittelt Studierenden die zentralen Grundlagen, um Kundenverhalten zu verstehen und Customer Journeys systematisch zu analysieren und zu gestalten.&nbsp;Der Inhalt<ul><li>Einführung in die Customer Journey und Kaufentscheidungen</li><li>Touchpoints</li><li>Customer Journey Mapping</li><li>Gestaltung und Optimierung der Customer Journey</li><li>Zukünftige Entwicklungen und Trends in der Customer Journey</li><li>Customer Journey Management und die organisatorische Verankerung</li></ul>&nbsp;Der AutorDr. Florian Perst
 ist Dozent und Forscher im Fachbereich Business &amp; Management mit den Schwerpunkten Marketing, Customer Journey, Customer Experience sowie digitale Transformation. Seine Forschungs- und Lehrtätigkeit konzentriert sich insbesondere auf Konsumentenverhalten, digitale Interaktionsprozesse und den Einsatz Künstlicher Intelligenz entlang der Customer Journey.

Dieses Lehrbuch bietet einen fundierten, praxisnahen Einstieg in die Welt der Customer Journeys. Es erklärt die psychologischen Grundlagen von Kaufentscheidungen, beleuchtet Touchpoints in digitalen und analogen Kanälen und zeigt, wie Erlebnisse entlang der gesamten Journey gesteuert und optimiert werden können. Neben etablierten Modellen und Ansätzen werden aktuelle Entwicklungen berücksichtigt, darunter datengetriebene Personalisierung, Künstliche Intelligenz, Marketing Automation sowie und AR/VR. Instrumente wie Customer Journey Mapping, Personas und Moments of Truth werden ebenso vorgestellt wie Methoden zur Analyse, Messung und Gestaltung von Customer Experiences.Die Inhalte sind didaktisch klar aufbereitet und durch Beispiele, Lernziele sowie Wissenschecks ergänzt. Das Lehrbuch vermittelt Studierenden die zentralen Grundlagen, um Kundenverhalten zu verstehen und Customer Journeys systematisch zu analysieren und zu gestalten.&nbsp;Der Inhalt·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Einführung in die Customer Journey und Kaufentscheidungen·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Touchpoints ·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Customer Journey Mapping·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Gestaltung und Optimierung der Customer Journey·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Zukünftige Entwicklungen und Trends in der Customer Journey·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Customer Journey Management und die organisatorische Verankerung

Modelle, Methoden und Management kundenzentrierter Interaktionsprozesse

Grundlagen der Customer Journey

The world of work is rearranging itself underneath our feet: workforces are rapidly aging, remote work and the gig economy are surging, young people are turning away from universities, manual trades are begging for new hires and AI is fundamentally altering the landscape. The ideas we grew up with about what work is desirable, secure or meaningful no longer seem to apply, leaving many of us to wonder: Will I still have a job in the years ahead? And if so, what will it look like?In Skilled: How to Master the Changing World of Work, Oxford economist and data scientist Dr Fabian Stephany gets to the heart of this sweeping transformation, cutting through the alarmist headlines and utopian promises to reveal a core truth: while the future of work may be more uncertain than ever, the key to thriving remains timeless - skills. It sounds simple, but with the rise of new modes of work and the widening 'skill gap', Stephany argues that learning the right skills isn't just a survival strategy or gateway to opportunity - it's also of vital political importance. The gap between the few with the skills suited to emerging forms of work and the many without is only widening - leaving those 'left behind' prone to simple truths in an increasingly polarised world.Through historical and present-day examples, Skilled examines how individuals and groups have learned new skills and leveraged existing ones, setting out a roadmap for individuals and policymakers of the future.

How to Master the Changing World of Work

Skilled

Eine Clusteranalyse

Der Einfluss kognitiver Verzerrungen im Investitionsprozess

So werden aus Einmal- und Mehrfachspendenden Dauerspendende. Digital Nudging im E-Mail-Marketing bei Non-Profit-Organisationen

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