Transaction Intelligence

Sign in Subscribe

Financial Behaviour

Financial Behaviour

How do humans actually make financial decisions, and why do we so often act against our best interests? This collection examines the cognitive biases, psychological triggers, and environmental factors that shape our relationship with money. Drawing from behavioral economics, psychology, and finance, these articles decode the hidden patterns in financial decision-making, from impulsive spending to investment hesitation. Discover insights on how financial systems can be designed to work better.

No Regrets? How AI Is Changing Business Decision-Making

No Regrets? How AI Is Changing Business Decision-Making

AI is reshaping business decision-making, promising to minimize regret in fraud detection, pricing, and customer retention. But as companies optimize away uncertainty, who owns the regret when AI gets it wrong? This article explores how AI shifts responsibility and what it means for consumer trust.

The Cost of Second-Guessing: How Businesses Manage Their Own Regret

The Cost of Second-Guessing: How Businesses Manage Their Own Regret

Regret shapes how businesses and consumers make decisions. But while individuals fear buyer’s remorse, companies worry about fraud, pricing mistakes, and missed opportunities. Striking the right balance is vital; overcorrecting in one direction means lost revenue, while too much risk damages trust.

Regret Minimisation: How Payment Platforms Engineer Your Decisions

Regret Minimisation: How Payment Platforms Engineer Your Decisions

The digital marketplace isn't just selling products—it's engineering emotions. Behind every checkout page and "limited time offer" lies a sophisticated understanding of our deepest purchasing anxiety: the fear of making the wrong choice.

From Confusion to Exclusion

From Confusion to Exclusion

Clear communication in banking isn't just about customer service—it's about enabling confident participation in the modern financial world.

Water drops creating overlapping ripples on a calm surface, captured in crisp detail.

Seeing Around Corners Developing Second-Order Thinking

When Amazon introduced one-click purchasing in 1999, it seemed like an obvious win. Reduced friction, higher sales. But the ripple effects continue to reshape retail in unexpected ways, from return fraud to changing consumer psychology. Welcome to the world of second-order thinking.

Consistency Over Intensity: The Hidden Power of Small Actions

Consistency Over Intensity: The Hidden Power of Small Actions

As January ends, packed gym classes thin out, with 80% of New Year's resolutions already abandoned. While we celebrate dramatic transformations, we overlook a far more powerful force: consistency. The science shows that small, regular actions trump sporadic bursts of intense effort.

Making Good Decisions

Making Good Decisions

Explore practical frameworks for better decision-making, from understanding operating environments to effectively communicating choices. Learn how structured approaches can set you up for success in both personal and professional contexts.