Category: Kynd Thoughts
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ACW: A Framework for When First Impressions Never Recover
Some experiences start badly and never quite recover — even when things genuinely improve. ACW is a framework for understanding why.
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Buy Now, Bye Later: Why Missed BNPL Payments Are a Psychology Problem
One in five buy-now-pay-later users misses at least one repayment a year. The easy conclusion is that people are spending beyond their means. The more accurate one is that the product is designed around a cognitive gap — and nobody’s closing it.
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What is the ROI of a Holiday House?
A Behavioural Economic View — exploring how scarcity, loss aversion, sunk costs and identity shape the real return on a holiday house across a lifetime.
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Coordination or Consequence
A personal reflection on whether coordination matters more than consequence when deploying behavioural interventions — and how rethinking the metric changes everything.
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