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The Brainy Business | Understanding the Psychology of Why People Buy | Behavioral Economics
In episode 439 of The Brainy Business podcast, Melina Palmer welcomes William Mailer, Chief Behavioral Scientist at Commonwealth Bank of Australia, to discuss the intersection of behavioral science and financial well-being. William, who leads the bank's Behavioral Science Center of Excellence, shares insights on how his multidisciplinary team of economists, psychologists, and data scientists work to improve financial well-being and climate action outcomes for millions of Australians. The episode explores the innovative projects led by Will's team, including Benefits Finder, which has connected Australians to over $1.2 billion in government benefits. Will also explores his journey into behavioral science, starting from his early career in economics and various roles that focused on understanding human behavior. He provides valuable advice on building a behavioral science team within an organization, emphasizing the importance of establishing relationships with academic researchers and thinking creatively to solve problems. Additionally, the episode highlights the importance of operational transparency in financial products, showcasing how showing trade-offs in credit card options can lead to higher customer retention and reduced financial distress. In this episode: Learn about the innovative Benefits Finder project and its impact on financial well-being in Australia. Discover the importance of operational transparency in financial products. Understand the criteria for selecting high-impact behavioral science projects. Gain insights into building and leading a multidisciplinary behavioral science team. Explore Will Mailer's journey and experiences in the field of behavioral science. Show Notes: 00:00:00 - Introduction Melina Palmer introduces William Mailer and sets the stage for an insightful conversation on behavioral science and financial well-being. 00:02:30 - Will's Background Will shares his journey into behavioral science, including his early career in economics and roles focused on understanding human behavior. 00:10:00 - Building a Behavioral Science Team Will discusses the importance of establishing relationships with academic researchers and thinking creatively to solve problems. 00:15:45 - Benefits Finder Project Will introduces the Benefits Finder project, which has connected Australians to over $1.2 billion in government benefits. 00:25:00 - Operational Transparency in Financial Products Will explains the importance of showing trade-offs in credit card options to improve customer retention and reduce financial distress. 00:35:45 - Selecting High-Impact Projects Will shares the criteria his team uses to select high-impact behavioral science projects. 00:45:30 - Conclusion What stuck with you while listening to the episode? What are you going to try? Come share it with Melina on social media -- you'll find her as @thebrainybiz everywhere and as Melina Palmer on LinkedIn. Thanks for listening. Don't forget to subscribe on Apple Podcasts or Android. If you like what you heard, please leave a review on iTunes and share what you liked about the show. I hope you love everything recommended via The Brainy Business! Everything was independently reviewed and selected by me, Melina Palmer. So you know, as an Amazon Associate I earn from qualifying purchases. That means if you decide to shop from the links on this page (via Amazon or others), The Brainy Business may collect a share of sales or other compensation. Let's connect: Melina@TheBrainyBusiness.com The Brainy Business® on Facebook The Brainy Business on Twitter The Brainy Business on Instagram The Brainy Business on LinkedIn Melina on LinkedIn The Brainy Business on Youtube Connect with William: LinkedIn Profile X Learn and Support The Brainy Business: Check out and get your copies of Melina's Books. Get the Books Mentioned on (or related to) this Episode: Behavioral Investor, by Daniel Crosby Tightwads and Spendthrifts, by Scott Rick The Power of Regret, by Daniel Pink Dollars and Sense, by Dan Ariely and Jeff Kreisler Money Mindsets, by Vishal George Top Recommended Next Episode: Quique Belenguer Interview (ep 435) Already Heard That One? Try These: Chuck Howard Interview (ep 213) Scott Rick Interview (ep 369) Can Behavioral Economics Increase Savings? (ep 65) Anthony Damtsis Interview (ep 415) Booms and Busts (ep 30) Other Important Links: Brainy Bites - Melina's LinkedIn Newsletter https://www.biorgpartnership.com/case-studies CBA's ‘Benefits finder' connects customers to $1 billion The Upside of Highlighting a Product's Downsides - HBS Working Knowledge
Happy 2022, Action Designers! In our first episode of the year, Zarak and Erik are joined by Namika Sagara to discuss her journey from academia to behavioral science practitioner, and how she applies BeSci to the field of consumer and market research. Namika has a Ph.D. in Consumer Behavior and Judgment and Decision Making, founded the Behavioral Science Center for Ipsos in North America, and is currently the Chief Behavioral Officer for Syntoniq Inc., a behavioral insights consultancy and research firm. She is a prolific speaker and writer, including a chapter on Consumer and Market Research for the book “Building Behavioral Science in an Organization,” which was edited by Laurel Newman and our very own Zarak Khan, and published by Action Design Press with support from the University of Pennsylvania's Master of Behavioral and Decision Sciences program. Dive into this first episode of 2022 to hear Namika's expertise on topics like focusing on how consumers actually think and behave in the real world, as well as the struggles and techniques to simulate real-life behavior in a market research and development environment. She also has tips for aspiring BeSci practitioners on the importance of support from organizational leadership.
Los Angeles-based cannabis insights firm, Oasis Intelligence, launches. The firm offers brand marketers in the cannabis and hemp industry unprecedented access to consumer insights at scale. Jesse Itzkowitz, Senior Vice President of Behavioral Science Center at Ipsos NA, releases an article on GreenBook, sharing how you can capture and engage a shopper’s attention. In today’s mergers and acquisitions, Nielsen acquires Precima, an industry-leading, SaaS-based provider of powerful retail and customer data applications and analytics. In human capital news, pladis, one of the world’s leading snacking companies, appoints Geoff Painter as Chief Insights Officer. He previously served more than 20 years at PepsiCo. Beano Studios appoints former Pineapple Lounge UK Managing Director, Pete Maginn, as Director of Insight. Find links to these stories in our show notes. For more detailed commentary, be sure to signup for our weekly newsletter at www.happymr.com. And that’s your daily briefing of marketing research news. Find Jamin Online: Email: jamin@happymr.com LinkedIn: www.linkedin.com/in/jaminbrazil Twitter: www.twitter.com/jaminbrazil Find Us Online: Twitter: www.twitter.com/happymrxp LinkedIn: www.linkedin.com/company/happymarketresearch Facebook: www.facebook.com/happymrxp Website: www.happymr.com Sources: Oasis Intelligence: https://oasisintelligence.com GreenBook: https://greenbookblog.org/2020/01/10/drive-perceptions-of-value-through-in-store-pricing-signage/ Nielsen: https://www.nielsen.com/us/en/press-releases/2020/nielsen-acquires-merchandising-and-analytics-solutions-leader-precima/ Beano Studios: https://www.beanostudios.com/post/beano-studios-strengthens-insight-team pladis: https://www.pladisglobal.com/news_items/pladis-appoints-geoff-painter-as-chief-insights-officer/
No matter what you do, DON'T MISS THIS CALL!!!! Do you have a sensitive side or empathic abilities? Do you feel other people’s emotional pain (a little too much)? Well Christel Hughes is here with a brand new call that focuses on sensitivity and the resultant self-doubt that hampers your chance of a loving relationship. This was one of the most powerful calls on healing the wounded sides of ourselves that are keeping us disconnected from the JUICINESS of life! How do we keep our selves stuck through repeated defense mechanisms? No matter what you do, DON'T MISS THIS CALL!!!! Excited comments from the webcast: So powerful! Bless You ! Healing begins ....I love you both!!! Than you thank you thank you! ~ Melissa Wow that's me !!!! Can you help me with this class!!!??? I am that wounded caregiver! I no longer want to be that unbalanced!" ~ mel ****passing along a recommendation. ***** Lol...I'm a former skeptic of "energy" work after 20 years in banking where I had become overwhelmed. I didn't know I was taking in other people's stuff and started to close down. just did an intuitive reading and was blown away by how accurate Christel Is....over the phone and without knowing anything about me. Have taken a couple of classes with her. The Q&A calls are incredible. Amazing how she can read energy even via email. I have learned so much about myself through this work, learning to embrace this as a gift and how I can share it with the world. Grateful for another opportunity to work on these things...she is an expert. ~Donna Being overly sensitive is usually associated with a lack of self-confidence and recurring self-defeating patterns. This percolates to the various facets of love relationships as well – trust, sex, etc. Over-compensation ensues… ‘No’ begins to be replaced with ‘yes’. However, over compensation cannot make for a fulfilling relationship. It is awareness, understanding and acceptance of your sensitivities that actually light the way to a better life. Christel will introduce you to becoming an Empath, a Visionary who sees the Whole Picture, and who can thus create loving, uplifting relationships. Embrace your sensitivities. Take the right step towards positivity and self-esteem. Don’t miss this call… ORDER JOY NOW!!! Empaths in Relationships – The Dynamics of Sensitivity In this call you will : Learn how to develop your insights to truly embrace your sensitivities instead of seeing them as some kind of Curse! Learn how to overcome the debilitating habit that drains your energy reserves when you say ‘Yes’ but you really mean 'No' Explore the meaning of being an Empath as opposed to a Highly Sensitive Person Understand the protective mechanisms that Empaths incorporate in their relationships, and how these sensitivities impact a love relationship Discover ways to release the ‘Shame’ around being labeled ’too sensitive’ and instead claim your sensitive nature as your Truth Strengths ORDER JOY NOW!!! About Christel Hughes: Christel Hughes, C.Ht. is a Multi-Sensory Energetic Intuitive, Medium and Holistic Life coach, known by many as the “Spiritual Trainer to the Stars”, specializing in self-development, energetic healing and rapid transformation for celebrities and individuals throughout the World. As an author of five books and an international leader in her field, Christel frequently speaks on various topics such as energy medicine, the power of the mind to manifest, human consciousness, health & healing, spirituality and relationship strategies. Christel’s formal training in Hypnosis, Guided Imagery, NLP and Timeline Therapy began at the Behavioral Science Center or HMI, the only nationally accredited college of Hypnotherapy. Establishing the online educational institute for Intuitive Arts in 2008, Academy for the Soul has supported and certified individuals as Intuitive Strategists from all over the World in utilizing and becoming facilitators of the Integrative Soul Technology process. The Integrative Soul Technology process is a cutting edge technology of transformation that is being used in over 7 countries. Just as a personal fitness trainer helps you raise your standards for accelerated results in your body, Christel will guide and support you in attaining the results you desire and deserve for your Life. She will offer you the newest energy technology & tools that will help you create conscious growth for Mastery in any area of your life. The MIRACULOUS results experienced by others: “I Can’t Wait to Introduce Myself to the World” "When I first found Christel Hughes, I was over-sensitive and just looking for a way to stop other people’s energies from entering my space. She taught me how to protect my boundaries and a lot more. Christel helped me open doors I would never have been able to do on my own. With her high level intuitive abilities, Christel helped me identify my blocks, clear them, as well as help other people clear their blocks. Christel has also gifted me with identifying my own intuitive gifts and setting me on a path to fulfill my purpose work. Her support has me creating in a way I would never have had the nerve to do on my own. I can’t wait for our next adventure of me introducing myself to the world! Christel’s light is so very bright—what a treasure I have found!" ~ L D Chown “I have much more self-confidence” "Since working with Christel, I have shifted into a place where I have greater acceptance of myself; I have much more self-confidence and self-esteem than I ever thought would be possible. I have been able to break out of my endless cycle of self-defeating patterns. This whole process has put me on a path to more easily identify as my higher self, become more intuitive, and be more on purpose using my gifts and talents." ~ Lynne “Aligned to the Authentic Me…” "Dear Christel, Wow! I just wanted to send you a heartfelt thank you for your wonderful work - each class from LUB, SMA, GGM, EMMS, WPA is just amazing...I just feel so grateful as you have not only held us through the process but also taught us to apply these wonderful tools for ourselves. I am learning to fish and no longer feel the need to ask outside of myself. I am also learning to just gratefully receive the coaching and support rather than struggle on alone so I can continue to evolve and help those around me to evolve too. It is an amazing time and I am feeling the changes coming in and thanks to you and others like you I am able to feel inspired and excited and to trust and let myself create something new that is more aligned to the authentic me." ~ Jane “Amazing Reading and Guidance” "I got the most amazing reading and guidance from Christel Ella Marie Hughes last night. If you really want to know what's standing in the way of you being your most BRILLIANT and AUTHENTIC self, you should work with her!" ~ Dulani “Deeply resonating insights” "Dear Christel, at 65, I have been modestly but directly exposed to and involved in channeling and a non-conventional healing journey since I was a small child. Now, over the four interviews and a monologue of yours I have heard, your readings remind me of Edgar Cayce's and Michael Teachings channels' readings. I have no authority to say this, but it all sounds to me as if, as an intuitive psychic, you are being able to tap into their very same sources of information and conveying in simple language such information in a way that applies specifically to the inquirer, but also resonating with all the listeners on that call. That had been ringing true to me all the way along and then rang absolutely true when I threw in a question. From the very beginning of the interview, it sounded as if you were answering my question in a comprehensive manner. When it actually came to my question itself, that had been phrased in the vaguest possible way, you just hit a key that been sitting there untouched for many decades without my realizing it was behind so many absolutely, apparently unrelated issues I have been struggling to overcome. Many thanks and blessings. Take care of your own beautiful energy so you can keep up the good work. Remember that you have already paid a high physical and emotional price to be where you are now. Love." ~ José Caldeira ORDER JOY NOW!!! ------------------------------------------ SUPPORT If you have any problems please contact us at: support@fromheartachetojoy.com ------------------------------------------ Thank you for taking the time to step out and GET this amazing information. You deserve it! ------------------------------------------------------------------ The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. All content, including text, graphics, images and information, contained on or available through this website is for general information purposes only. Please see a medical professional if you need help with depression, illness, or have any concerns whatsoever. WE DO NOT OFFER MEDICAL ADVICE, COURSE OF TREATMENT, and DIAGNOSIS OR ANY OTHER OPINION on your conditions or treatment options. SERVICES OR PRODUCTS THAT YOU OBTAIN THROUGH THIS WEBSITE are for information purposes only and not offered as medical or psychological advice, guidance or treatment
You can heal your heartbreak, evict old lovers, and clear the way for your beloved soul mate with: SoulMate Alchemy, The Secrets to Letting Go of your Past Flames, Overcoming Heartbreak and Attracting your Beloved SoulMate! Don't miss this amazing call!! Incredibly Powerful call with Multi-Sensory Clairvoyant Intuitive, Medium, and "SoulMate Alchemy" creator Christel Hughes! Christel Hughes shared the secrets of why love fades in the first place and conducted powerful clearings with the audience! "That was incredible, thank you so much cristel, that was so powerful, I saw myself as an old withered crone, unworthy of love, I could see all the times from birth, childhood, teenage years to the present that had reinforced those feelings of being unworthy and lonely and I was able to bring light to her and have her come out of the dark and back into the light. Thank you so much cristel and Eram" ~ Kim "I'm endrenched in tears. Thank you Christel for this healing." ~ Margy ORDER JOY NOW!!! Are you ready to attract your true soul mate? In this call, Christel discussed: Why love fades in the first place...and...why we cannot sustain the energy of love first sent to us by our partner.. The best way to recharge and revive a current relationship...and... the reasons it's so difficult for you to let go of old flames that are killing your new relationships... How to let go of past lovers and release the energetic knots and hooks that you have created by investing in that other person that keep you from attracting your soul mate... What happens to your body, health, and your relationships with family and friends when your heart gets broken...and...she'll tell you what you must do to finally get over your heartbreak... Why you seem to attract the same people time after time because of your "love blueprint" that is imprinted on your mental, emotional, and spiritual body... A powerful clearing process to erase and recreate your "love blueprint" as quickly as possible so that you can finally attract your beloved soul mate... ORDER JOY NOW!!! About Christel Hughes: Christel Hughes, C.Ht is a Leading pioneer in Emotional Management and Relationship Strategies. As a Holistic Life Coach and highly sought after Multi-Sensory Intuitive she has inspired thousands of people around the world through her breakthrough methods for living free from Fear & Emotional Sabotage. Christel is the Author of 5 books including Taking Back Your Power, Be Love to Find Love, The Quantum Quickies Series & 10 Laws of Love. She is known as the "Spiritual Trainer to the Stars" due to her work supporting Celebrities in opening up to their gifts, setting healthy boundaries while going public and claiming their unique Power in their field, while not losing themselves in relationship to others. Christel's formal training and certifications include Clinical Hypnotherapy, Guided Imagery, Neuro-Linguistic Programming and Timeline Therapy which began at the Behavioral Science Center, the only nationally accredited Hypnotherapy College. The MIRACULOUS results experienced by others: "Wow! I just wanted to send you a heartfelt thank you for your wonderful work - each class from LUB, SMA, GGM, EMMS, WPA is just amazing...I just feel so grateful as you have not only held us through the process but also taught us to apply these wonderful tools for ourselves. I am learning to fish and no longer feel the need to ask outside of myself. I am also learning to just gratefully receive the coaching and support rather than struggle on alone so I can evolve and help those around me to evolve too. It is an amazing time and I am feeling the changes coming in and thanks to your and others like you, I am able to feel inspired and excited and to trust and let myself create something new that is more aligned to the authentic me." ~ Jane "Every reading with you is a healing process for me. Every word you say is shifting my energy. There are no words to say how much I am grateful! --- I love you" ~ Vessy. "Christel - your gift - teachings - creation is so well-organized - clear - and easy to get!!!" ~ Ruth ORDER JOY NOW!!! ------------------------------------------ SUPPORT If you have any problems please contact us at: support@fromheartachetojoy.com ------------------------------------------ Thank you for taking the time to step out and GET this amazing information. You deserve it! ------------------------------------------------------------------ The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. All content, including text, graphics, images and information, contained on or available through this website is for general information purposes only. Please see a medical professional if you need help with depression, illness, or have any concerns whatsoever. WE DO NOT OFFER MEDICAL ADVICE, COURSE OF TREATMENT, and DIAGNOSIS OR ANY OTHER OPINION on your conditions or treatment options. SERVICES OR PRODUCTS THAT YOU OBTAIN THROUGH THIS WEBSITE are for information purposes only and not offered as medical or psychological advice, guidance or treatment.
Christel Hughes is an inspiring Holistic Life coach, known as the "Spiritual Trainer to the Stars", specializing in self-development and transformation for individuals throughout the country. Christel facilitates seminars on the power of the mind to manifest, conquering fears, and relationship strategies. She is passionate and soulful as she motivates people every day to discover their purpose work, so that they can live a life of joy, health and abundance. Charismatic and creative, with compassion and humor, Christel guides each person to actualize his or her potential.Holistic Life CoachCertified Clinical HypnotherapistNeuro-Linguistic Programming Master PractitionerTime Line Therapy PractitionerCertified Therapeutic Imagery MasterMulti-Sensory IntuitiveChristel is an Author, Product creator, Seminar facilitator and Highly sought after Multi-Sensory Energetic Intuitive. As an International leader in her field, she frequently speaks on various topics such as energy medicine, the power of the mind to manifest, human consciousness, health & healing, spirituality and relationship strategies.Establishing her own online educational institute in 2008, Academy For the Soul has supported and certified many individuals from all over the World in utilizing and becoming facilitators of the Integrative Soul Technology process.The Integrative Soul Technology process is a cutting edge technology of transformation that Christel created and has used in her decade long personal coaching practice supporting sport’s professionals, psychotherapists, high profile celebrities, Emmy Award winners and other health practitioners.Christel’s formal training in Hypnosis, Guided Imagery, NLP and Timline Therapy began at the Behavioral Science Center or HMI, the only nationally accredited college of Hypnotherapy. Within 6 months she was invited by the Director of the Institute to join the faculty as the Academic Counselor for undergrads. This position allowed her to assist hundreds of students per year to realize their potential and maximize their performance in fulfilling their commitment to complete the clinical certification program. She went on to become a member of the staff, teaching and facilitating on various subjects and modalities.Becoming a spiritual trainer and coach was a natural transition for Christel. She received her certification as a Holistic Life Coach from the Life Coaching Institute and her Bachelor’s degree in Metaphysics from the University of Metaphysics.Just as a personal fitness trainer helps you raise your standards for accelerated results in your body, Christel will guide and support you in attaining the results you desire and deserve for your Life. She will offer you the newest technology & tools that will help you create conscious growth for Mastery in any area of your life.Christel Hughes is an inspiring holistic life coach, specializing in self-development and transformation for individuals throughout the country. Christel facilitates seminars on the power of the mind to manifest, conquering fears, and relationship strategies. She is passionate and soulful as she motivates people every day to discover their purpose work, so that they can live a life of joy, health and abundance. Charismatic and creative, with compassion and humor, Christel guides each person to actualize his or her potential.
It's just about time for us to start our Fall Season of the Aha! Moments World Telesummit 2013! I have some amazing speakers lined up for our Master Classes and wanted to give you a taste of some of our new additions! They are awesome! Tonight Internationally Acclaimed Intuitive Christel Hughes joins me for an awe inspiring night of intuitive discovery. Christel is a well of wisdom and one of the most perceptive people I have seen in a long time. She is the real deal! :0) Christel's formal training and certifications include Clinical Hypnotherapy, Guided Imagery, Neuro-Linguistic Programming and Timeline Therapy which began at the Behavioral Science Center, the only nationally accredited Hypnotherapy College. ?Christel is the CEO of Academy For the Soul, President of Empowering Journeys, Inc. and Creator of the Integrative Soul Technology Process. The IST process is a cutting edge technology of transformation that she has actively used in her decade long practice supporting Sport's professionals, Practitioners, Psychotherapists, High Profile celebrities and Emmy Award winners. She will be taking your calls so be sure to call in early for a reading!