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Commitment device

A commitment device is an arrangement entered into by an individual that restricts their future choice set, typically by imposing costs on undesired behaviors or removing temptations, to help fulfill long-term goals despite self-control problems arising from time-inconsistent preferences.^[1] In behavioral economics, these devices address present bias, where people overvalue immediate rewards at the expense of future benefits, by credibly altering incentives to align short-term actions with enduring intentions.^[2] The concept traces its theoretical foundations to Richard Strotz's 1956 work on myopic decision-making,^[3] which highlighted how individuals might voluntarily constrain future options to mitigate impulsivity, drawing on the ancient literary example of Ulysses binding himself to the mast to resist the Sirens' song in Homer's Odyssey. Modern applications emerged in the late 20th century through models of quasi-hyperbolic discounting by economists like David Laibson,^[4] formalizing how such devices can enhance welfare by counteracting procrastination and temptation. Commitment devices are categorized as "hard," involving tangible penalties or rewards like financial deposits forfeited for failure (e.g., smoking cessation programs where participants lose money if they relapse), or "soft," relying on psychological or logistical barriers such as public pledges or removing unhealthy foods from one's environment. Empirical evidence demonstrates their effectiveness across domains, including health behaviors where deposit contracts increased quit rates by about 35% (intent-to-treat) in a randomized trial among smokers in the Philippines,^[5] and financial savings where programs like SEED in the Philippines achieved 28% uptake through locked accounts.^[6] In personal finance, initiatives like "Save More Tomorrow" enable automatic escalation of retirement contributions to bypass inertia,^[7] while in environmental and policy contexts, carbon taxes serve as commitment mechanisms to enforce long-term sustainability goals. Despite their promise, uptake can vary due to factors like observability of commitments or incomplete self-knowledge of preferences, underscoring the need for tailored designs in behavioral interventions.

Introduction and Fundamentals

Definition and Core Concept

A commitment device is a mechanism designed to bind an individual to a future course of action or decision by imposing costs on deviation or rendering certain choices impossible, thereby restricting one's future freedom of action.^[8] This tool is particularly employed to address self-control challenges, where individuals seek to enforce adherence to long-term goals despite anticipated temptations.^[8] In decision theory, such devices arise from recognition of self-control problems, where rational agents anticipate their own potential weakness of will, known philosophically as akrasia, or acting against one's better judgment. The psychological rationale for commitment devices is grounded in time-inconsistent preferences, a phenomenon where short-term temptations consistently override long-term objectives due to the structure of human discounting. Under hyperbolic discounting, the underlying model, individuals value immediate rewards disproportionately more than delayed ones, leading to steeper discount rates for near-term trade-offs compared to those further in the future; this results in dynamically inconsistent choices, as plans made today are often abandoned when the future arrives. Sophisticated agents, aware of this bias, use commitment devices to align their future behavior with current intentions, effectively protecting against the "present bias" that favors instant gratification.^[8] Commitment devices can be structured as precommitments, made in advance during periods of relative self-control to lock in behavior before temptations arise, or as reactive commitments, activated in the moment of temptation to impose immediate constraints.^[8] The prototypical example is the Ulysses contract, drawn from Homer's Odyssey, where Odysseus (Ulysses in Latin), foreseeing his inability to resist the Sirens' enchanting song, orders his crew to bind him to the ship's mast with his ears unplugged, while they plug their own ears and ignore his future pleas to be released; this precommitment allows him to experience the temptation safely without altering course, illustrating the deliberate self-binding to overcome anticipated irrationality. This analogy, formalized in modern theory, underscores how such devices transform potential akrasia into enforced rationality across time.

Historical Development

The origins of commitment devices can be traced to ancient mythology in Homer's Odyssey, composed around the 8th century BCE. In Book 12, Odysseus (known as Ulysses in Latin tradition) learns from the sorceress Circe of the deadly Sirens, sea creatures whose irresistible song lured sailors to crash upon rocky shores. Eager to hear their enchanting voices yet aware of the peril, Odysseus devises a binding strategy: he orders his crew to fill their ears with beeswax and lash him securely to the ship's mast before approaching the island, explicitly instructing them to ignore any pleas for release, no matter how fervent. As the Sirens' song fills the air with promises of knowledge and glory, Odysseus strains against his bonds in ecstasy and desperation, but the ropes hold firm, allowing the ship to sail past unharmed. This narrative illustrates an early intuitive grasp of precommitment, where one voluntarily constrains future actions to safeguard long-term goals against anticipated temptations.^[9] Philosophical explorations of self-binding emerged in the medieval period through Thomas Aquinas's 13th-century discussions of akrasia, or weakness of will, in works such as the Summa Theologica (II-II, q. 156) and his commentary on Aristotle's Nicomachean Ethics. Aquinas characterized akrasia as a failure where sensual appetite temporarily overwhelms the intellect, causing one to act contrary to known moral principles, akin to a "spiritual blindness" induced by passion. He emphasized that true virtue requires fortifying reason against such lapses, laying groundwork for deliberate self-restraint mechanisms to prevent impulsive deviations from rational judgment.^[10] In the 18th century, David Hume advanced these ideas in A Treatise of Human Nature (1739–1740), positing that "reason is, and ought only to be the slave of the passions," as passions alone provide motivational force while reason serves merely as an instrument to achieve desired ends. Hume argued that violent passions often lead to imprudent actions, but calm passions—subtler reflections of long-term interests—can regulate them without direct rational opposition, suggesting indirect self-binding through cultivation of steady affections to align behavior with enduring welfare.^[11] The modern economic formalization of commitment devices began with Richard Strotz's 1956 paper "Myopia and Inconsistency in Dynamic Utility Maximization," which modeled how individuals with time-inconsistent preferences might demand mechanisms to commit to long-term plans, addressing myopic decision-making in intertemporal choice.^[12] This framework was extended in the 1960s by Thomas Schelling's The Strategy of Conflict (1960), which applied game theory to interpersonal and strategic contexts. Schelling described commitments as deliberate acts that restrict future options to enhance bargaining power, such as a negotiator publicly discarding retreat paths to credibly enforce demands, thereby transforming potential weaknesses into strengths. This framework extended self-binding beyond individual psychology to rational choice under conflict.^[13] Jon Elster's Ulysses and the Sirens: Studies in Rationality and Irrationality (1979) further refined these concepts, reviving the Homeric myth to theorize precommitment as a countermeasure to imperfect rationality, including hyperbolic discounting and dynamic inconsistency, where present biases undermine future intentions. Elster categorized binding strategies as either external (imposed by others) or internal (self-enforced), emphasizing their role in achieving preferred outcomes despite flawed decision-making processes. By the late 20th century, commitment devices integrated into behavioral economics via Daniel Kahneman and Amos Tversky's prospect theory (1979), which revealed systematic deviations from rational utility maximization, such as loss aversion—where losses loom larger than equivalent gains—and reference-dependent framing effects that foster time-inconsistent preferences. These insights highlighted precommitments as essential tools to stabilize choices against such cognitive biases, bridging psychological realism with economic modeling.^[14] Building on this, David Laibson's 1997 paper "Golden Eggs and Hyperbolic Discounting" introduced the quasi-hyperbolic (beta-delta) discounting model, formalizing present bias and analyzing how imperfect commitment technologies, like illiquid assets, can mitigate dynamic inconsistency.^[15]

Types and Classifications

Internal Commitment Devices

Internal commitment devices refer to self-imposed strategies that individuals use to bind their future actions through personal resolve, willpower, habits, or cognitive reframing, without relying on external enforcement or third parties. These mechanisms help overcome present bias and akrasia—acting against one's better judgment—by leveraging internal psychological processes such as visualizing long-term consequences or making moral pledges to oneself. For instance, a person might mentally commit to a goal by vividly imagining the negative outcomes of failure, thereby strengthening motivation in the moment.^[16]^[17] Key techniques include habit stacking, where a new desired behavior is linked to an existing routine to create automaticity and reduce reliance on fluctuating willpower. For example, someone aiming to read daily might stack it onto their morning coffee ritual: "After I pour my coffee, I will read for five minutes." This approach capitalizes on established cues to bypass decision fatigue. Another technique involves amplifying anticipated future regret, such as mentally exaggerating the emotional cost of inaction (e.g., envisioning regret as tenfold more intense) to heighten immediate resolve. Psychological evidence underscores the role of limited self-control resources in these methods; Roy Baumeister's 1998 study on ego depletion demonstrated that acts of self-regulation draw from a finite inner resource, akin to a muscle that fatigues, explaining why internal devices like habit stacking succeed by minimizing repeated exertion of willpower.^[18] These devices offer advantages such as low cost and high flexibility, allowing customization without external dependencies, which makes them accessible for personal goal pursuit. In addiction recovery, for example, Alcoholics Anonymous employs moral inventory—a rigorous self-examination of past harms and character defects—as an internal commitment tool, fostering accountability through introspection rather than imposed penalties. However, they are susceptible to rationalization and willpower depletion. In contrast to external devices, which involve enforceable mechanisms, internal ones depend entirely on sustained personal discipline.^[19]

External Commitment Devices

External commitment devices are mechanisms designed to enforce adherence to a goal by involving third parties or external systems that impose social, financial, or legal penalties for non-compliance, thereby making deviations costly and credible. Unlike self-reliant strategies, these devices leverage enforceable structures such as contracts or pledges where failure triggers consequences managed by others, altering incentives to align short-term actions with long-term intentions. This approach draws from game theory, where commitments transform empty promises into binding threats, as conceptualized by Thomas Schelling in his analysis of strategic interactions.^[8] Key forms of external commitment devices include pledge-based systems and accountability partnerships. In pledge-based systems, individuals stake money or resources on achieving a goal, with forfeiture directed to an opposed cause or entity if they fail; for instance, platforms like StickK allow users to commit funds that are donated to disliked organizations upon non-adherence, creating financial disincentives enforced by the service provider. Accountability partners involve designating a trusted external individual or group to monitor progress and apply social pressure, such as public reporting or relational consequences, which amplifies the psychological cost of failure through interpersonal dynamics. Game-theoretic models, particularly Schelling points, underpin these forms by identifying focal points where external commitments establish credible preemptive actions, ensuring that rational actors anticipate and respect the enforced boundaries in strategic settings.^[20]^[8] The theoretical foundation for external commitment devices traces to Jon Elster's 1979 work Ulysses and the Sirens, which analyzes precommitment as a rational strategy to bind oneself against future temptations, exemplified by Ulysses delegating enforcement to his crew; Elster extends this to external binding mechanisms that prevent self-undermining desires, contrasting them with internal rationalizations like "sour grapes" adaptations discussed in his 1983 book of the same name. Modern extensions appear in contract theory, where bilateral commitments create enforceable obligations through legal frameworks, ensuring mutual credibility in exchanges prone to time-inconsistency. A prominent application is the Ulysses contract in mental health law, a voluntary advance directive allowing patients to preauthorize involuntary treatment during future episodes of incapacity; the first significant U.S. legal recognition came via Minnesota's 1991 psychiatric advance directive statute, building on earlier scholarly proposals from the 1980s.^[21]^[22] Empirical evidence indicates external commitment devices can substantially improve success rates over no-commitment baselines, as shown in behavioral economics studies; for example, a field experiment on smoking cessation found that financial commitment contracts increased quit rates by 3.4 to 5.7 percentage points (a relative increase of about 38%) compared to standard counseling. A 2023 systematic review of behavioral economics interventions confirms that commitment devices significantly enhance physical activity adherence in the short term, with a small effect size (SMD = 0.13).^[20]^[23]

Methods of Implementation

Behavioral Techniques

Behavioral techniques for implementing commitment devices emphasize manual, low-tech strategies that leverage psychological principles to bind future actions to present intentions, primarily through self-imposed restrictions and reinforcements. One core technique involves removing temptations by physically altering access to distractors, such as storing items out of sight or in inaccessible places, thereby increasing the effort required to succumb and reinforcing adherence to goals.^[24] This step-by-step process begins with identifying specific temptations linked to undesired behaviors, followed by creating barriers like storing items out of sight or in inaccessible places, thereby increasing the effort required to succumb and reinforcing adherence to goals.^[24] Another technique is public declarations for social accountability, where individuals announce their goals to friends, family, or a group, harnessing the pressure of potential judgment to deter deviation.^[25] To implement this, one selects a trusted audience, clearly states the commitment with measurable outcomes, and schedules periodic updates to maintain transparency and motivation.^[26] Reward substitution completes these core methods by pairing a desired but effortful behavior with an immediate gratification, such as only enjoying a favorite podcast while exercising, effectively redirecting the allure of short-term pleasures toward long-term aims.^[27] The process entails listing compatible rewards, restricting their standalone access, and consistently linking them to the target habit until the association strengthens self-control. Creating a personal contract provides a structured implementation framework, adapted from cognitive behavioral therapy (CBT) protocols that promote self-binding through formalized agreements.^[28] The detailed process starts with defining a clear, achievable goal, such as exercising three times weekly; specifying stakes, like donating money to an disliked cause upon failure; establishing timelines, including start dates and milestones; and outlining monitoring mechanisms, such as daily journaling or weekly self-assessments.^[29] Drawing from 2010s CBT adaptations, these contracts emphasize collaborative self-dialogue to anticipate obstacles and incorporate contingency plans, fostering accountability without external enforcement.^[28] Signatures or witnesses add symbolic weight, transforming the document into a tangible reminder of resolve. Empirical support for these techniques comes from randomized trials demonstrating enhanced adherence. For instance, a study on temptation bundling for exercise found participants increased gym visits by 51% when iPods with audiobooks were accessible only during workouts, compared to unrestricted access.^[30] To integrate these techniques into daily routines like dieting or studying, environmental design plays a key role by systematically adding friction to bad habits and removing it from good ones. For dieting, this might involve rearranging kitchen layouts to place healthy foods at eye level while relegating snacks to high shelves, reducing impulsive choices without constant willpower.^[31] In studying, clearing desk clutter and positioning study materials prominently minimizes setup barriers, while stowing distractions like phones in another room heightens the cost of interruptions.^[24] Scaling occurs by starting small—applying one change per habit—then layering techniques, such as combining friction removal with public declarations, to build sustainable patterns over weeks.^[31]

Technological Tools

Technological commitment devices have evolved significantly since the late 2000s, leveraging digital platforms to automate enforcement and stakes for goal adherence. Early innovations, such as the StickK app launched in 2008, introduced online commitment contracts where users pledge money to achieve personal goals, forfeiting funds to a designated recipient—often an anti-charity—if they fail, drawing on behavioral economics principles to impose financial penalties.^[32]^[33] By the 2010s, apps like Beeminder expanded this model with visual progress tracking via a "Bright Red Line" and automatic integrations with fitness trackers and habit apps, charging users escalating financial penalties if data points cross the threshold, ensuring accountability through device-synced enforcement.^[34] Key platforms illustrate diverse functionalities tailored to focus and habit formation. The Forest app, released in 2014, employs gamification by allowing users to "plant" virtual trees during timed focus sessions; staying on task grows the tree, while distractions cause it to wither, fostering sustained attention without monetary costs.^[35]^[36] Similarly, Freedom blocks distracting websites and apps across devices, with its Locked Mode preventing session interruptions to enforce productivity commitments.^[37]^[38] Cold Turkey offers robust website and app blocking with locking features that disable uninstallation or modifications during active sessions, creating a high-barrier commitment to distraction-free periods.^[39] In the financial domain, blockchain-based smart contracts on Ethereum, widely adopted since 2017, enable programmable precommitments where code automatically executes penalties or rewards upon verifiable outcomes, such as escrow releases for met milestones in decentralized applications. Recent advancements incorporate artificial intelligence for enhanced personalization, with 2024-2025 apps using machine learning to deliver predictive nudges that anticipate user lapses based on historical data patterns, such as timely reminders for habit reinforcement in health and productivity tools.^[40]^[41] These data-driven features raise privacy considerations, as enforcement relies on user activity tracking; platforms must comply with regulations like the GDPR to protect sensitive behavioral data from misuse in automated interventions.^[42] Empirical research supports their efficacy, with studies indicating technological devices boost physical activity retention among older adults by activating motivational dynamics beyond manual methods.^[43]

Notable Examples and Applications

Everyday Personal Uses

Commitment devices find widespread application in personal goal pursuit, particularly in health, productivity, and finance, where individuals leverage them to overcome self-control challenges in daily life. In health contexts, gym memberships with automatic debit payments serve as a common commitment device by imposing financial penalties for non-attendance, encouraging consistent exercise adherence; studies show such devices can increase gym utilization rates by making inaction costly.^[44] For productivity, tools like scheduled email auto-senders that trigger embarrassing or punitive messages upon missed deadlines act as external enforcers, outperforming self-imposed deadlines by providing tangible consequences that bind future behavior to present intentions.^[45] In finance, savings locks—such as automated round-up features in apps like Acorns that invest spare change without easy withdrawal—function as soft commitment mechanisms, helping users build habits by restricting impulsive spending and promoting long-term accumulation.^[46] Real-life case studies illustrate the practical impact of these devices in personal transformation efforts. For instance, smoking cessation apps enable users to commit to quit dates, with reported success rates for 6-month abstinence ranging from 4% to 18% among app users in reviews of digital interventions, significantly higher than unaided attempts (around 3-5%).^[47] Post-COVID trends in the 2020s have amplified remote work adaptations, with global users increasingly adopting digital social pledges for personal routines like daily exercise.^[48] Success in employing personal commitment devices hinges on personalization, allowing tailoring to individual motivations and barriers for sustained engagement. According to the 2022 State of Personalization Report, 71% of consumers become frustrated when experiences lack personalization, which can boost loyalty and adherence in behavior-change tools by aligning commitments with personal contexts.^[49] Beginners can enhance effectiveness by starting with low-stakes trials, such as short-term pledges with trusted accountability partners, gradually scaling to financial or social penalties.

Professional and Economic Contexts

In economic theory, commitment devices are integral to resolving principal-agent problems, where a principal (such as an employer or client) seeks to align the incentives of an agent (like an employee or contractor) who may act opportunistically due to information asymmetries or moral hazard. By enabling the principal to credibly pre-commit to rewards or penalties, these devices reduce the agent's ability to deviate from desired actions, as formalized in models of contract theory and dynamic games. For instance, performance bonds function as external commitment devices in principal-agent relationships within the construction industry, where contractors post a surety bond—typically 100% of the contract value—to guarantee project completion; failure to perform results in bond forfeiture, protecting the principal from default risks. This practice became standardized in the United States in the early 20th century, with federal mandates under the Miller Act of 1935 requiring such bonds for public works projects over $150,000 (updated from $100,000 for contracts awarded after November 2022) to ensure accountability and timely delivery.^[50]^[51] In policy applications, governments leverage commitment devices to influence collective behavior through structural defaults and enforceable mechanisms. A prominent example is the opt-out organ donation law implemented in England in May 2020, which presumes consent for organ donation from deceased adults unless they actively opt out, shifting the default to promote higher participation rates without relying on voluntary opt-ins. This soft opt-out system, supported by family consultations, aimed to address organ shortages by embedding commitment at the societal level, though longitudinal studies indicate mixed outcomes, with consent rates declining to 59% as of 2024/25 compared to approximately 67% pre-2020.^[52]^[53] Similarly, corporate wellness programs incorporate commitment devices like forfeiture clauses, where employees pledge deposits or incentives that are lost if health goals (such as meeting step counts or attendance) are not achieved, thereby binding participants to sustained efforts and aligning individual actions with organizational health objectives.^[54] Business contexts further illustrate commitment devices in organizational incentive structures, particularly in high-stakes environments like sales and startups. Sales teams often employ escalating penalty systems for unmet quotas, where repeated shortfalls trigger progressive fines or reduced commissions, compelling representatives to prioritize targets and mitigate procrastination or underperformance. In startup funding, vesting schedules serve as standard commitment mechanisms in Silicon Valley term sheets since the early 2000s, requiring founders to earn equity over a typical four-year period with a one-year cliff, ensuring long-term dedication and preventing early exits that could undermine investor interests.^[55]^[56] Recent developments as of 2025 highlight commitment devices in international economic policy, particularly within climate accords. The Paris Agreement's framework relies on binding procedural commitments, such as nationally determined contributions (NDCs) for emission reductions, which parties must submit and pursue, with transparency mechanisms to track compliance and enable peer pressure or trade-related penalties for non-adherence. Analyses emphasize extending these with stronger enforcement tools, like automatic trade sanctions for missing targets, to counter short-term political myopia and lock in long-term global economic cooperation on climate goals.^[57]^[58]^[59]

Challenges and Criticisms

Practical Limitations

Commitment devices frequently encounter execution barriers due to the time and financial costs associated with their setup, often resulting in high rates of abandonment. In a field experiment examining savings commitment products in the Philippines, participants faced transaction costs and household conflicts that contributed to a 55% default rate, with many defaults occurring immediately after account opening.^[60] These barriers highlight how initial hurdles can deter sustained engagement, as individuals underestimate the ongoing effort required.^[60] Overcommitment exacerbates these issues, potentially leading to burnout when multiple devices are layered without adequate consideration of capacity. Longitudinal data from similar health interventions show attrition rates reaching 55% by 12 weeks, partly attributable to the strain of overextension.^[61] Measurement problems further complicate implementation, particularly with subjective goals such as improving writing habits, where success metrics remain ambiguous and hard to quantify objectively. This ambiguity allows unintended loopholes in commitment contracts, as vague terms enable circumvention without clear violation.^[62] For instance, contracts lacking precise definitions of compliance can lead to disputes or self-serving interpretations, undermining enforcement.^[62] Scalability issues arise prominently in group settings, where free-riding—members benefiting without contributing—erodes collective commitment efficacy. In multi-agent simulations of public goods games, initial free-riding triggered cascading reductions in contributions, though commitment devices mitigated this by imposing penalties and boosting social welfare by 40%.^[63] At larger scales, such as in apps promoting commitments, user churn remains high; general mobile app analytics indicate 71% of users abandon within 90 days.^[64] To mitigate these limitations, practitioners can employ iterative testing, starting with low-stakes trials to refine device strength and avoid overload, as evidenced by re-order rates of 45% among prior defaulters who adjusted commitments based on experience.^[60] This approach allows gradual scaling while addressing individual barriers without introducing excessive strain.

Ethical and Psychological Concerns

Commitment devices, while designed to enhance self-control, raise significant ethical dilemmas, particularly in contexts like mental health where they resemble Ulysses contracts—advance directives that bind individuals to treatment decisions made during periods of lucidity. These contracts can potentially coerce individuals by overriding their current preferences during episodes of incapacity, thereby diminishing autonomy and raising questions about the validity of prior consent. For instance, self-binding directives (SBDs) in psychiatric practice are viewed as ethically controversial because they involve advance requests for involuntary treatment, which may conflict with fluctuating mental capacity and personal identity, potentially causing harm if enforced rigidly. Bioethics discussions emphasize the need for safeguards, such as independent capacity assessments and review processes, to ensure that consent at the time of drafting truly reflects enduring values rather than temporary states.^[65]^[66] Psychological risks associated with commitment devices include backfire effects, where self-imposed restrictions provoke rebellion or heightened stress. Individuals may resist or undermine their own commitments to restore autonomy, leading to non-compliance, anxiety, or even unethical circumvention of penalties in overly punitive setups. This can manifest as increased emotional strain, particularly when devices limit future choices too severely, counterintuitively exacerbating the very impulses they aim to curb. Empirical observations in behavior change interventions suggest that such devices, if not calibrated carefully, can amplify stress rather than alleviate it. Societal impacts of commitment devices highlight inequalities in access and enforcement, disproportionately affecting marginalized groups. Low-income individuals often lack the financial resources for effective stakes-based devices, such as monetary penalties or premium technological tools, perpetuating socioeconomic disparities in self-regulation capabilities. Furthermore, gender biases in enforcement emerge in economic contexts, where women may respond more strongly to social or reputational incentives but face harsher scrutiny or unequal application of punitive measures, as critiqued in feminist analyses of behavioral economics. These dynamics can reinforce existing power imbalances, with enforcement mechanisms inadvertently amplifying discrimination based on gender norms.^[67]^[68]^[69] Looking ahead, the integration of AI into commitment devices intensifies ethical concerns around behavioral manipulation, prompting regulatory scrutiny under frameworks like the EU AI Act. Provisions prohibiting AI systems that exploit vulnerabilities or subliminally manipulate decisions took effect in February 2025 and could apply to AI-driven enforcers, such as automated habit trackers that nudge or penalize users in opaque ways, potentially eroding informed consent. As of November 2025, discussions on amendments to the Act emphasize balancing innovation with protections against undue influence, particularly for vulnerable populations, to prevent AI from exacerbating autonomy losses in self-binding scenarios.^[70]^[71]^[72]

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The paper argues that hyperbolic discounting agents may prefer to reject modern technologies as a commitment against a level of future work that is judged ...
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How does Acorns work?
Jul 1, 2025 · Acorns invests spare change via Round-Ups, and allows recurring investments from $5, using expert-built ETF portfolios.Missing: commitment device
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Efficacy of Smartphone Applications for Smoking Cessation
Sep 21, 2020 · The self-reported 6-month abstinence rates of individuals using smartphone applications included in the Cochrane review ranged from 4% to 18%, ...Missing: QuitNow success
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[PDF] Commitment Savings Bulletin - Poverty Action Lab
May 26, 2021 · When built into savings products, commitment devices can help address the behavioral and social obstacles to saving by providing a mechanism ...
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https://link.springer.com/article/10.1007/s11245-025-10193-5
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Commitment Device Database - Habit Weekly
Commitment Device Database. Listing of different commitment devices to help you stick with your intentions and achieve your long-term goals.
[45]
2022 State of Personalization Report - Twilio Segment
The State of Personalization report looks at how attitudes, preferences, and experiences with personalization have evolved over the past year.
[46]
Performance Bonds: A Terrifying Thought? - Brunswick Companies
Dec 20, 2015 · In 1935, it was replaced by the Miller Act, which requires the combination of performance and payment bonds for federal construction projects.
[47]
52.228-15 Performance and Payment Bonds-Construction.
The penal amount of performance bonds at the time of contract award shall be 100 percent of the original contract price.
[48]
The new 'opt-out' organ donation English law: Is the NHS ready for ...
This law states that 'all adults in England will be considered as having agreed to donate their own organs when they die, unless they record a decision not to ...
[49]
Why did England change its law on deceased organ donation in ...
Sep 12, 2024 · In the post-pandemic year 2022/2023 the consent rate for deceased organ donation in England was 66%, which was 3% lower than the 2020/21 rate of ...<|separator|>
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Commitment contracts as a way to health - PMC - PubMed Central
Commitment contracts, whereby people deposit money that they receive back only if they succeed, have substantial conceptual appeal as a method of changing ...
[51]
Vesting schedule: best practices for startup founders and employees
Jan 25, 2023 · Silicon Valley's standard practice, which we also see as most common in Latin America, is a 4-year vesting period with a 1-year cliff. What ...
[52]
Understanding venture capital term sheets - Silicon Valley Bank
A typical VC term sheet includes key elements such as the amount of investment, pre-money valuation, liquidation preferences and specific rights for both ...
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Key aspects of the Paris Agreement | UNFCCC
4) – The Paris Agreement establishes binding commitments by all Parties to prepare, communicate and maintain a nationally determined contribution (NDC) and ...
[54]
Paris Climate Agreement: Everything You Need to Know - NRDC
Jan 23, 2025 · While the system doesn't include financial penalties, the requirements are aimed at making the progress of individual nations easy to track and ...
[55]
Are Commitment Devices A Solution To Climate Myopia? - ClimaTalk
Sep 9, 2024 · Commitment devices can help close the gap between climate pledges and action by binding policymakers to long-term sustainability goals.Missing: accords penalties
[56]
[PDF] When Commitment Fails – Evidence from a Field Experiment
Commitment products can remedy self-control problems. However, imperfect knowledge about their preferences may (discontinuously) lead individuals to select ...
[57]
How To Enforce A Commitment? - ij
Mar 29, 2025 · Commitment mechanisms are strategies, agreements, or institutional ... Ambiguous commitments decrease enforceability, creating loopholes ...
[58]
[PDF] Enhancing Generative Agent Cooperation with Commitment Devices
In one particular experiment, an agent's initial decision to free-ride and reject contract proposals led to a cascading effect, where subsequent agents mimicked ...Missing: scalability issues
[59]
Analyzing and Reducing Mobile App Churn Rate - Nudge
Jul 15, 2024 · According to the Buildfire statistics, in 2024, 71% of app users stop using the app within the first 90 days after download. This shows how ...Missing: commitment | Show results with:commitment
[60]
https://economics.yale.edu/sites/default/files/john_when_commitment_fails_march2018.pdf
[61]
Binding the Self: The Ethics of Ulysses Contracts
What exactly is a “Ulysses contract”? The term was introduced to refer to “voluntary commitment contracts” or “psychiatric advance directives,” legal devices ...
[62]
What Are Commitment Devices? - Monitask
Oct 9, 2024 · Commitment devices are strategic tools used to reinforce future goals by imposing consequences for failing to meet them.
[63]
Socioeconomic and behavioural factors associated with access to ...
Jan 13, 2021 · This study aims to further our understanding of socioeconomic factors and the mechanisms linked to different stages in the use of Personal Health Records (PHR).
[64]
https://nudgenow.com/blogs/mobile-app-churn-analysis
[65]
A Feminist Review of Behavioral Economic Research on Gender ...
Nov 19, 2018 · This study provides a critical review of the behavioral economics literature on gender differences using key feminist concepts.
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Article 5: Prohibited AI Practices | EU Artificial Intelligence Act
The EU AI Act prohibits certain uses of artificial intelligence (AI). These include AI systems that manipulate people's decisions or exploit their ...Missing: ethical | Show results with:ethical
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The EU AI Act: Where Do We Stand in 2025? | Blog - BSR
May 6, 2025 · It is possible that the EU AI Act will be amended, either by removing requirements or reducing the scope of companies who need to comply or ...