Impactos dos nudges para utilização de controle financeiros em uma faculdade de adiministração, ciencias contábeis e economia.

Abstract

Resumo em outro idioma 1: This study investigates the impact of behavioral interventions, known as nudges, in encouraging financial control among students of Administration, Accounting and Economics at a federal higher education institution. Based on concepts from behavioral economics, interventions such as the installation of a financial management application, weekly reminders, biweekly visits and discussions about the importance of financial planning were applied. The research, which involved a sample of students, revealed that the use of nudges resulted in a significant increase in the adoption of financial control practices, with 17.74% more students starting to manage their finances after the interventions. In addition, the visits and reminders contributed to the students’ continued motivation, promoting greater awareness of the importance of personal financial organization. These results confirm the effectiveness of nudges as low cost tools to improve students’ financial behaviors, in line with the principles of behavioral economics.