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  • March 2021
  • Article

Active Choice, Implicit Defaults, and the Incentive to Choose

By: John Beshears, James J. Choi, David Laibson and Brigitte C. Madrian
Home-delivered prescriptions have no delivery charge and lower copayments than prescriptions picked up at a pharmacy. Nevertheless, when home delivery is offered on an opt-in basis, the take-up rate is only 6%. We study a program that makes active choice of either home... View Details
Keywords: Active Choice; Defaults; Implicit Defaults; Incentives; Consumer Behavior; Decision Choices and Conditions; Motivation and Incentives
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  • 21 Jun 2011
  • First Look

First Look: June 21

learning among lower-level employees. We exploit a field-research setting in which business units vary in the "tightness" with which they monitor employee decisions. We find that tighter monitoring gives rise to implicit... View Details
Keywords: Sean Silverthorne
  • 23 Jun 2023
  • HBS Case

This Company Lets Employees Take Charge—Even with Life and Death Decisions

the authors. “The company does have some important implicit boundaries—things that are simply not acceptable. For example, if a nurse deliberately did something that was not in a patient’s best interest, they wouldn’t ignore it,” Sandino... View Details
Keywords: by Annelena Lobb; Health
  • 25 Apr 2014
  • Research & Ideas

To Pay or Not to Pay: Argentina and the International Debt Market

ability to enforce the terms of foreign loans often led to pitched political battles of will with the implicit threat of war as the only recourse for creditors. Between the end of World War II and the 1970's there was little foreign... View Details
Keywords: by Laura Alfaro
  • 31 Jul 2006
  • Research & Ideas

When Not to Trust Your Gut

particular, other people's successes and failures. Obviously, for our most important negotiations, the outsider lens is preferable. Unfortunately, however, the outsider lens is rarely the default option when we are facing major... View Details
Keywords: by Max H. Bazerman & Deepak Malhotra
  • 19 Feb 2019
  • First Look

New Research and Ideas, February 19, 2019

default for those who don’t make an active choice: pharmacy pick-up without insurance subsidies. Under this program, 42% of eligible employees actively choose home delivery, 39% actively choose pharmacy pickup, and 19% make no active... View Details
Keywords: Sean Silverthorne
  • 15 Jul 2008
  • First Look

First Look: July 15, 2008

such as credit ratings, without considering the state of the economy in which default is likely to occur. Such investors are likely to be attracted to securities whose payoffs resemble those of economic catastrophe bonds-bonds that View Details
Keywords: Martha Lagace
  • 24 Jun 2014
  • First Look

First Look: June 24

of trade finance terms is shaped by the risk that an importer defaults on an exporter and by the possibility that an exporter does not deliver goods as specified in the contract. The empirical results indicate that cash in advance and... View Details
Keywords: Sean Silverthorne

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