Finance for Normal People teaches behavioral finance to people like you and me-normal
people, neither rational nor irrational. We are consumers, savers, investors, and managers …

Over the past years, studies shed light on how social norms and perceptions potentially
affect loan repayments, with overtones for strategic default. Motivated by this strand of the …

We study the impact of pre-contractual communication on market outcomes when economic
relationships are subject to hidden action. Our experiment is framed in a credit market …

We study strategic default in the laboratory, ie, in a controlled experiment. Subjects are
initially endowed with a house and a mortgage (we use neutral wording in the experiment) …

We use individual police records on criminal activity to investigate whether personal
experiences with financial misconduct spur white-collar crime. Experiences with financial …

In this paper, we explore trends in value priorities on a countrylevel across Western Europe
using the Schwartz typology of personal values. We analyze the significance of the time …

In this paper, we explore trends in value priorities on a country-levelacross Western Europe
using the Schwartz typology of personal values. Weanalyze the significance of the time …

People often use their sense of right and wrong to influence their decision making
processes. Most people consider values like fairness, loyalty, care, and honesty as important …

This dissertation tests various messaging strategies to improve debt repayment among
overindebted individuals. In order to do so, I carry out four field experiments in cooperation …

This study investigates the determinants of white-collar crime and its increased prevalence
in the aftermath of the global financial crisis. We link detailed individual police records on …