O impacto de nudges comportamentais e educacionais nas decisões financeiras dos estudantes universitários

Abstract

This study investigates the impact of behavioral and educational nudges on the financial decision-making of university students. The research analyzed how different types of nudges influence participants' choices in simulated scenarios. The results show that participants frequently selected the default nudge even when it represented a financially inadequate option. On the other hand, the educative nudge did not present statistically significant effects, indicating that merely providing educational information was insufficient to consistently alter financial behaviors. These findings reinforce the need to combine behavioral interventions with financial education to mitigate judgment errors and promote more conscious choices. The study contributes to the field of behavioral finance by highlighting the limitations of standalone financial education in addressing cognitive biases.