Came across this very interesting article in my daily feed:
https://hbr.org/2017/12/how-digital-tools-and-behavioral-economics-will-save-retirementI do think you need to register on the site to see the article but it allows 3 free articles per month.
I was intrigued to see the studies of how they increased military savings rates with simple changes, how we might us web site analysis to drive increased savings and most importantly how mobile device access lowers spending. It makes it more clear why the newer versions of something like YNAB can have a much bigger impact than the old version that requires you to sit down at the machine and look at your spending there. As I contemplate how to help people do better in driving good saving and spending behaviors the research in this area was very helpful.
