18%
Odsetek Europejczyków posiadających prywatny produkt emerytalny (według EIOPA)
BCG2025Europe
A small change in how options are presented that increases the likelihood of a specific choice, without removing any options.
Why it matters
Enables supporting desired behaviors without coercion or bans.
What's missing without it
Decisions still happen without conscious design of default options — just randomly.
When it is used
In default settings, page layout, and the way questions are asked.
How we use it
Changing the default option while keeping it easy to opt out.
Fun fact
Richard Thaler received the Nobel Prize in Economics in 2017 for his work on this mechanism. The most commonly cited example involves organ donation: countries with opt-out defaults have many times higher rates than those requiring explicit consent.
Numbers worth knowing
Psychology in data
3
Prognoza stosunku pracujących do emerytów w Europie do 2045
BCG2045Europe
31%
Odsetek konsumentów korzystających z AI na pewnym etapie ścieżki zakupowej, około 3-krotnie więcej niż 18 miesięcy temu.
Boston Consulting Group (BCG)2026global
Figures from the same field — collected in our market data base.