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behavioral economics ³úü°ù¾±³¦³ó behavioral economics network zben ±¹±ð°ù³ó²¹±ô³Ù±ð²Ô²õö°ì´Ç²Ô´Ç³¾¾±±ð behavioral change migration zurich zurich behavioral economics network aging zuwanderung banking experiment switzerland finance schweiz change management market structure strategy pwyw lmu münchen fehradvice alain kamm consultancy business experiments martin brown financial literacy #behavioral economics #banking 2.0 #evolution #sma littering retail bounded ethicality childhood development performence improvement interventions nudging psychology social psychology standard economy sustainability mobility public transport marketing martin spann lorenz götte motivation meetup blutspenden mitarbeiter raquel blanc gutierrez gender diversity inclusion philip morris international universität fribourg prof. reiner eichenberger anreize kontingente crema rafael lalive universität lausanne scheiz eduard gnesa universität st. gallen finanzwissen altersvorsorge alter cornelia klossner avenir ³úü°ù¾±³¦³ó kathrin muff leadership universität ³úü°ù¾±³¦³ó ±¹±ð°ù²µÃ¼³Ù³Ü²Ô²µ²õ²õ²â²õ³Ù±ð³¾±ð compensation ceos fairness normen prof. katja rost sozialkapital universität bonn #zben