Minimumsavstander
Minimumsavstander is a theoretical construct in behavioral economics describing the smallest level of intervention required to induce a sustained saving behavior or outcome in a population, balancing cost and effectiveness. It borrows from concepts of minimum viable product and minimum effective dose.
Definition and scope: It encompasses both financial incentives and design features that reduce friction, including automatic
Measurement and methodology: To determine minimumsavstander, researchers model the response to varying intensities of intervention using
Applications: In retirement programs, employer matches, auto-escalation rates, or policy design; in energy or climate finance,
Criticism and limitations: The concept depends on population heterogeneity; what is minimal for one subgroup may