Od opcji domyślnej do manipulacji, czyli o wyborze pomiędzy OFE a ZUS . Perspektywa ekonomii behawioralnej
From the Default Options to Manipulation – Choosing between OFE and ZUS. The Perspective of Behavioral Economics

Summary/Abstract: The goal of the paper is to answer the question whether the exercise of public authority, consisting in enabling citizens to choose from the options presented by the authority, must always be regarded asa form of manipulation? The analysis focuses on the decision-making context related to the choice between Open Pension Funds and Social Insurance Institution. Although the issue has been widely discussed by lawyers, economists and politicians, this aspect of the context of decision-making has never been analyzed in detail. Hypotheses and theories developed by behavioral economist sallow scientific studies not only on the presented options, retirement plans, but also on ways of presenting scenarios and decision-making procedure to take decisions and their impact on content decisions. Economic analysis of the decision situation can clarify the concept of manipulation, as well as identify possible ways of neutralizing and thus the use of behavioral economics may also affect the democratization of decision-making processes.

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