{"id":6532,"date":"2022-09-26T10:49:41","date_gmt":"2022-09-26T02:49:41","guid":{"rendered":"https:\/\/www.moneythor.com\/?p=6532"},"modified":"2024-03-05T09:59:48","modified_gmt":"2024-03-05T01:59:48","slug":"sesgo-de-prominencia","status":"publish","type":"post","link":"https:\/\/www.moneythor.com\/es\/opiniones-de-analisis\/ciencia-del-comportamiento\/sesgo-de-prominencia\/","title":{"rendered":"Sesgo de prominencia | Ciencias del comportamiento en la banca"},"content":{"rendered":"<h1>\u00bfQu\u00e9 es el sesgo de prominencia?<\/h1>\n<p>Nuestras elecciones est\u00e1n impulsadas por la informaci\u00f3n que se nos comunica y las cosas que vemos. Como resultado, tenemos una tendencia a centrarnos en la informaci\u00f3n que es distintiva e ignorar cualquier cosa que no se destaque particularmente.<\/p>\n<h2>\u00bfPor que sucede?<\/h2>\n<p>La palabra <a href=\"https:\/\/www.oxfordlearnersdictionaries.com\/definition\/english\/salience\" target=\"_blank\" rel=\"noopener\">la prominencia est\u00e1 definida<\/a> como \u201cla cualidad de ser particularmente importante o f\u00e1cil de notar\u201d. Cuando consideramos, construimos o dise\u00f1amos un producto, es clave reconocer que la informaci\u00f3n presentada primero y de manera m\u00e1s destacada tiene la capacidad de afectar nuestro proceso de toma de decisiones. Nuestra inclinaci\u00f3n a centrarnos en informaci\u00f3n que es \u00fanica o diferente nos lleva al sesgo de prominencia. El sesgo de prominencia, sin embargo, no se limita a la informaci\u00f3n que llama la atenci\u00f3n. Tambi\u00e9n puede afectar nuestro bienestar financiero y nuestras decisiones de compra. Por ejemplo, cuando vemos una oferta de 2 por 1, es f\u00e1cil distraernos con los ahorros en lugar de centrarnos en si podr\u00edamos necesitar o no el art\u00edculo adicional.<\/p>\n<h2>\u00bfC\u00f3mo pueden las instituciones financieras aprovechar el efecto del sesgo de prominencia para permitir una mejor gesti\u00f3n financiera personal?<\/h2>\n<h3>Posicionar el ahorro como opci\u00f3n predeterminada en las apps de banca digital<\/h3>\n<p>En general, entendemos que las personas <a href=\"https:\/\/www.moneythor.com\/es\/2022\/07\/29\/el-efecto-por-defecto-de-la-ciencia-del-comportamiento-en-la-banca\/\" target=\"_blank\" rel=\"noopener\">Lo m\u00e1s probable es que opte por la primera opci\u00f3n m\u00e1s sencilla que se presente.<\/a> a ellos. Cuando a los usuarios se les presenta el ahorro como opci\u00f3n predeterminada, las instituciones financieras est\u00e1n aprovechando el efecto de la prominencia para alentar a los usuarios a ahorrar. Dado que a los consumidores les supone un mayor esfuerzo optar por no participar en el sistema predeterminado preprogramado, posicionar el ahorro como opci\u00f3n predeterminada puede fomentar la formaci\u00f3n de buenos h\u00e1bitos financieros para los usuarios en general.<\/p>\n<h3>Programas de bienestar financiero en curso<\/h3>\n<p>Al implementar un programa de bienestar financiero, es fundamental garantizar que los usuarios vean la informaci\u00f3n correcta en el momento adecuado. Los bancos pueden aprovechar el efecto de la prominencia asegur\u00e1ndose de que se muestre el contenido correcto en el momento adecuado para incitar a los usuarios a actuar en consecuencia. \u00bfDeber\u00eda un usuario ahorrar tan pronto como le paguen? Enviar una notificaci\u00f3n autom\u00e1tica. \u00bfEst\u00e1n vencidas las facturas de sus tarjetas de cr\u00e9dito? Un recordatorio en la aplicaci\u00f3n podr\u00eda ser la soluci\u00f3n. Los recordatorios destacados se pueden utilizar como un enfoque para impulsar a los usuarios a desarrollar mejores h\u00e1bitos financieros a largo plazo.<\/p>\n<h2>Conclusi\u00f3n<\/h2>\n<p>Es crucial que los bancos reconozcan el sesgo de prominencia y que tiene el potencial de impactar negativamente a los usuarios si simplemente se concentran en los detalles m\u00e1s emotivos y destacados que tienen a mano. Sin embargo, tambi\u00e9n se puede integrar de manera efectiva en aplicaciones de banca digital para respaldar el desarrollo de mejores h\u00e1bitos financieros para los usuarios, garantizando que se comuniquen los mensajes y los empujones correctos en el momento adecuado. Ayudar a los consumidores a interactuar con la informaci\u00f3n correcta en el momento adecuado no solo es alentador para los usuarios en su camino hacia el bienestar financiero, sino que tambi\u00e9n ayudar\u00e1 a los bancos a construir una relaci\u00f3n m\u00e1s atractiva con los usuarios a largo plazo.<\/p>\n<p>\u00a0<\/p>\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_65823043\">\n\t\t<a class=\"\" href=\"#newsletter-subscription-blog\" >\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"299\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png\" class=\"attachment-large size-large\" alt=\"Suscr\u00edbete al bolet\u00edn de Moneythor\" srcset=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png 1024w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING-768x225.png 768w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\n<style>\n#image_65823043 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>","protected":false},"excerpt":{"rendered":"<p>What is salience bias? Our choices are driven by the information that is communicated to us and things that we see. As a result, we have a tendency to fixate on information that is distinctive while ignoring anything that doesn\u2019t particularly stand out. Why does it happen? The word salience is defined as \u201cthe quality [&#8230;]\n","protected":false},"author":4,"featured_media":6536,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[68,279],"tags":[62,94,233,235],"class_list":["post-6532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-behavioural-science","category-blog","tag-behavioural-science","tag-bitesize-behavioural-science","tag-salience","tag-salience-bias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Salience Bias | Behavioural Science in Banking | Moneythor<\/title>\n<meta name=\"description\" content=\"We have a tendency to fixate on information that is distinctive while ignoring anything that doesn\u2019t particularly stand out.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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