{"id":6607,"date":"2022-12-02T13:21:20","date_gmt":"2022-12-02T05:21:20","guid":{"rendered":"https:\/\/www.moneythor.com\/?p=6607"},"modified":"2024-03-04T18:34:38","modified_gmt":"2024-03-04T10:34:38","slug":"%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99%e3%81%ab%e3%81%8a%e3%81%91%e3%82%8b%e8%a1%8c%e5%8b%95%e7%a7%91%e5%ad%a6%e3%81%ae%e9%80%b2%e6%ad%a9%e5%8a%b9%e6%9e%9c%e3%81%ab%e8%b2%a2%e7%8c%ae","status":"publish","type":"post","link":"https:\/\/www.moneythor.com\/jp\/%e5%88%86%e6%9e%90%e6%84%8f%e8%a6%8b\/%e8%a1%8c%e5%8b%95%e7%a7%91%e5%ad%a6\/%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99%e3%81%ab%e3%81%8a%e3%81%91%e3%82%8b%e8%a1%8c%e5%8b%95%e7%a7%91%e5%ad%a6%e3%81%ae%e9%80%b2%e6%ad%a9%e5%8a%b9%e6%9e%9c%e3%81%ab%e8%b2%a2%e7%8c%ae\/","title":{"rendered":"\u6075\u307e\u308c\u305f\u9032\u6b69\u52b9\u679c |\u9280\u884c\u696d\u52d9\u306b\u304a\u3051\u308b\u884c\u52d5\u79d1\u5b66"},"content":{"rendered":"<p>\u9867\u5ba2\u306e\u76ee\u6a19\u9054\u6210\u3092\u4fc3\u3059\u8208\u5473\u6df1\u3044\u30c4\u30fc\u30eb\u3068\u3057\u3066\u3001\u5bc4\u4ed8\u306b\u3088\u308b\u9032\u6b69\u52b9\u679c\u3092\u9280\u884c\u696d\u52d9\u306e\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u306b\u3069\u306e\u3088\u3046\u306b\u9069\u7528\u3067\u304d\u308b\u304b\u3092\u7406\u89e3\u3059\u308b\u305f\u3081\u306b\u3001\u307e\u305a\u6b21\u306e\u3053\u3068\u3092\u60f3\u50cf\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u30022 \u4eba\u304c\u6bce\u65e5\u540c\u3058\u30ab\u30d5\u30a7\u3067\u671d\u306e\u30b3\u30fc\u30d2\u30fc\u3092\u8cb7\u3044\u307e\u3059\u304c\u3001\u4e21\u65b9\u306b\u7570\u306a\u308b\u30b3\u30fc\u30d2\u30fc\u304c\u4e0e\u3048\u3089\u308c\u307e\u3057\u305f\u3002\u30dd\u30a4\u30f3\u30c8\u30ab\u30fc\u30c9\u3092\u4f7f\u7528\u3059\u308b\u3068\u3001\u5b8c\u4e86\u6642\u306b\u7121\u6599\u306e\u30b3\u30fc\u30d2\u30fc\u3068\u5f15\u304d\u63db\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u6700\u521d\u306e\u4eba\u306f\u7121\u6599\u30b9\u30bf\u30fc\u306a\u3057\u306e 10 \u30b9\u30bf\u30fc\u30ab\u30fc\u30c9\u3092\u53d7\u3051\u53d6\u308a\u30012 \u4eba\u76ee\u306f\u7121\u6599\u30b9\u30bf\u30fc\u304c 2 \u3064\u3042\u308b 12 \u30b9\u30bf\u30fc\u30ab\u30fc\u30c9\u3092\u53d7\u3051\u53d6\u308a\u307e\u3059\u3002\u7121\u6599\u306e\u30b3\u30fc\u30d2\u30fc\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306b\u3001\u8ab0\u304c\u3088\u308a\u30e2\u30c1\u30d9\u30fc\u30b7\u30e7\u30f3\u304c\u9ad8\u3044\u3068\u601d\u3044\u307e\u3059\u304b?  <\/p>\n<p>2 \u4eba\u76ee\u306e\u4eba\u7269\u3092\u63a8\u6e2c\u3057\u305f\u5834\u5408\u306f\u3001\u4ed6\u306e\u307b\u3068\u3093\u3069\u306e\u4eba\u3068\u540c\u3058\u3088\u3046\u306b\u63a8\u6e2c\u3057\u305f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u5ba2\u89b3\u7684\u306b\u306f\u3001\u7121\u6599\u306e\u30b3\u30fc\u30d2\u30fc\u3092\u5f15\u304d\u63db\u3048\u308b\u306b\u306f\u4e21\u65b9\u306e\u30ab\u30fc\u30c9\u306b\u540c\u3058\u6570\u306e\u30b9\u30bf\u30fc (10 \u500b) \u304c\u5fc5\u8981\u3067\u3042\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u304c\u30012 \u756a\u76ee\u306e\u6d88\u8cbb\u8005\u304c 2 \u3064\u306e\u7121\u6599\u30b9\u30bf\u30fc\u3067\u5f97\u305f\u77e5\u899a\u7684\u306a\u6709\u5229\u306a\u30b9\u30bf\u30fc\u30c8\u306f\u3001\u6700\u7d42\u76ee\u6a19\u306b\u5411\u3051\u3066\u306e\u4eba\u70ba\u7684\u306a\u9032\u6b69\u306e\u611f\u899a\u3092\u751f\u307f\u51fa\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u73fe\u8c61\u306f\u3001 <a href=\"https:\/\/msbfile03.usc.edu\/digitalmeasures\/jnunes\/intellcont\/Endowed%20Progress%20Effect-1.pdf\" target=\"_blank\" rel=\"noopener\">2006\u5e74\u306e\u8abf\u67fb\uff08PDF\uff09<\/a> Joseph C. Nunes \u3068 Xavier Dr\u00e8ze \u306b\u3088\u308b\u672c\u306f\u3001 <strong>\u4ed8\u4e0e\u3055\u308c\u305f\u9032\u884c\u52b9\u679c<\/strong>.  <\/p>\n<h2>\u306a\u305c\u305d\u308c\u304c\u8d77\u3053\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/h2>\n<p>\u9032\u6b69\u304c\u3042\u3063\u305f\u3068\u611f\u3058\u308b\u3068\u3001\u30b3\u30fc\u30b9\u3092\u7dad\u6301\u3057\u3001\u76ee\u6a19\u306e\u9054\u6210\u306b\u5411\u304b\u3063\u3066\u7c98\u308a\u5f37\u304f\u7d9a\u3051\u308b\u3053\u3068\u304c\u5bb9\u6613\u306b\u306a\u308a\u307e\u3059\u3002\u4e0a\u306e\u4f8b\u306e\u3088\u3046\u306b\u300110 \u500b\u306e\u661f\u3092\u5fc5\u8981\u3068\u3059\u308b\u76ee\u6a19\u3092\u3001\u3059\u3067\u306b\u7372\u5f97\u3055\u308c\u3066\u3044\u308b 2 \u500b\u306e\u661f\u3068\u5909\u63db\u3059\u308b\u3053\u3068\u3067\u3001\u5b8c\u4e86\u307e\u3067\u306e\u9053\u306e\u308a\u304c\u3059\u3067\u306b\u9032\u884c\u4e2d\u306e\u3082\u306e\u3068\u3057\u3066\u518d\u69cb\u6210\u3055\u308c\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u6700\u521d\u306b\u4e0e\u3048\u3089\u308c\u305f\u6709\u5229\u306a\u30b9\u30bf\u30fc\u30c8\u3092\u7121\u99c4\u306b\u3057\u306a\u3044\u3068\u3044\u3046\u9858\u671b\u304b\u3089\u751f\u3058\u308b\u5b8c\u6210\u306e\u53ef\u80fd\u6027\u304c\u52a0\u901f\u3055\u308c\u307e\u3059\u3002\u3057\u305f\u304c\u3063\u3066\u3001\u4e0e\u3048\u3089\u308c\u305f\u9032\u6b69\u306f\u3001\u30bf\u30b9\u30af\u3092\u5b8c\u4e86\u3059\u308b\u305f\u3081\u306e\u975e\u5e38\u306b\u5f71\u97ff\u529b\u306e\u3042\u308b\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3068\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002  <\/p>\n<h2>\u9280\u884c\u306f\u6d88\u8cbb\u8005\u304c\u3088\u308a\u826f\u3044\u91d1\u878d\u7fd2\u6163\u3092\u8eab\u306b\u3064\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u3001\u5bc4\u4ed8\u306b\u3088\u308b\u9032\u6b69\u52b9\u679c\u3092\u3069\u306e\u3088\u3046\u306b\u6d3b\u7528\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u304b?<\/h2>\n<h3>\u6709\u5229\u306a\u30b9\u30bf\u30fc\u30c8\u3067\u8caf\u84c4\u76ee\u6a19\u3092\u9054\u6210<\/h3>\n<p>\u65e2\u5b58\u306e\u9032\u6357\u72b6\u6cc1\u306e\u8a8d\u8b58\u306f\u3001\u5c06\u6765\u306e\u30b3\u30df\u30c3\u30c8\u30e1\u30f3\u30c8\u3068\u30ed\u30c3\u30af\u30a4\u30f3\u306b\u5927\u304d\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u8a8d\u8b58\u3055\u308c\u306a\u3044\u9032\u6357\u72b6\u6cc1\u306f\u7d99\u7d9a\u7684\u306a\u30b3\u30df\u30c3\u30c8\u30e1\u30f3\u30c8\u306b\u60aa\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u9867\u5ba2\u304c\u4e07\u304c\u4e00\u306e\u8cc7\u91d1\u3001\u8cfc\u5165\u3001\u4f11\u6687\u3001\u307e\u305f\u306f\u9577\u671f\u306e\u9000\u8077\u8a08\u753b\u306e\u305f\u3081\u306b\u8caf\u84c4\u3059\u308b\u5834\u5408\u3067\u3082\u3001\u65e2\u5b58\u306e\u53e3\u5ea7\u6b8b\u9ad8\u306e\u4e00\u90e8\u3092\u9867\u5ba2\u306b\u63d0\u793a\u3059\u308b\u3053\u3068\u3067\u3001\u9867\u5ba2\u304c\u6709\u5229\u306a\u30b9\u30bf\u30fc\u30c8\u3092\u5207\u308c\u308b\u3088\u3046\u306b\u3053\u308c\u3089\u306e\u8caf\u84c4\u76ee\u6a19\u3092\u8a2d\u5b9a\u3067\u304d\u307e\u3059\u3002\u76ee\u6a19\u3078\u306e\u65e9\u671f\u306e\u8ca2\u732e\u3002\u3053\u308c\u306f\u3001\u5f7c\u3089\u306e\u8ca2\u732e\u306b\u5bfe\u3059\u308b\u898b\u8fd4\u308a\u306e\u611f\u899a\u3092\u5f37\u5316\u3059\u308b\u306e\u306b\u5f79\u7acb\u3064\u3060\u3051\u3067\u306a\u304f\u3001\u3055\u3089\u306b\u8ca2\u732e\u3059\u308b\u3088\u3046\u306b\u4fc3\u3057\u307e\u3059\u3002  <\/p>\n<h3>\u521d\u671f\u6607\u683c\u306e\u3042\u308b\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3 \u30d7\u30ed\u30b0\u30e9\u30e0<\/h3>\n<p>\u305d\u3057\u3066\u3082\u3061\u308d\u3093\u3001\u30dd\u30a4\u30f3\u30c8\u3001\u30d0\u30a6\u30c1\u30e3\u30fc\u3001\u307e\u305f\u306f\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u30d9\u30fc\u30b9\u306e\u652f\u51fa\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u306a\u3069\u306e\u5f93\u6765\u306e\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3 \u30d7\u30ed\u30b0\u30e9\u30e0\u3084\u3001 <a href=\"https:\/\/www.moneythor.com\/jp\/2021\/12\/01\/%e3%83%87%e3%82%b8%e3%82%bf%e3%83%ab%e3%83%90%e3%83%b3%e3%82%ad%e3%83%b3%e3%82%b0%e3%81%ab%e3%81%8a%e3%81%91%e3%82%8b%e3%82%b2%e3%83%bc%e3%83%9f%e3%83%95%e3%82%a3%e3%82%b1%e3%83%bc%e3%82%b7%e3%83%a7\/\" target=\"_blank\" rel=\"noopener\">\u9280\u884c\u696d\u52d9\u306b\u9069\u7528\u3055\u308c\u305f\u30b2\u30fc\u30df\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u6280\u8853<\/a> \u30c7\u30b8\u30bf\u30eb\u6d3b\u52d5\u306b\u5831\u916c\u3092\u4e0e\u3048\u308b\u3053\u3068\u3082\u3001Endowed Progress Effect \u306e\u6069\u6075\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u521d\u671f\u6bb5\u968e\u306e\u30dd\u30a4\u30f3\u30c8\u3001\u30b9\u30bf\u30fc\u3001\u307e\u305f\u306f\u30b9\u30bf\u30f3\u30d7\u3092\u4ed8\u4e0e\u3057\u3066\u3001\u6700\u521d\u306e\u30b9\u30c6\u30c3\u30d7\u304c\u3059\u3067\u306b\u5b8c\u4e86\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u793a\u3059\u3068\u3001\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u306e\u76ee\u7684\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306e\u30e6\u30fc\u30b6\u30fc\u306e\u30e2\u30c1\u30d9\u30fc\u30b7\u30e7\u30f3\u304c\u5411\u4e0a\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<h3>\u6700\u7d42\u76ee\u6a19\u3067\u306f\u306a\u304f\u9032\u6357\u72b6\u6cc1\u306b\u7126\u70b9\u3092\u5f53\u3066\u308b<\/h3>\n<p>\u76ee\u6a19\u306b\u8cbb\u3084\u3057\u305f\u52aa\u529b\u3001\u6642\u9593\u3001\u304a\u91d1\u304c\u591a\u3051\u308c\u3070\u591a\u3044\u307b\u3069\u3001\u305d\u308c\u3092\u7d9a\u3051\u305f\u3044\u3068\u601d\u3046\u3088\u3046\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u306e\u5b9f\u88c5\u3067\u306f\u3001 <a href=\"https:\/\/www.moneythor.com\/jp\/solution\/%e9%a1%a7%e5%ae%a2%e3%81%ae%e7%b5%8c%e6%b8%88%e7%9a%84%e5%b9%b8%e7%a6%8f%e3%82%92%e5%90%91%e4%b8%8a%e3%81%95%e3%81%9b%e3%82%8b\/\" target=\"_blank\" rel=\"noopener\">\u7d4c\u6e08\u7684\u5e78\u798f<\/a> \u307e\u305f\u306f <a href=\"https:\/\/www.moneythor.com\/jp\/solution\/%e3%83%ad%e3%82%a4%e3%83%a4%e3%83%ab%e3%83%86%e3%82%a3%e3%83%97%e3%83%ad%e3%82%b0%e3%83%a9%e3%83%a0%e3%82%ad%e3%83%a3%e3%83%b3%e3%83%9a%e3%83%bc%e3%83%b3%e3%82%92%e9%96%8b%e5%a7%8b%e3%81%99%e3%82%8b\/\" target=\"_blank\" rel=\"noopener\">\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3 \u30d7\u30ed\u30b0\u30e9\u30e0<\/a>\u3001\u30e6\u30fc\u30b6\u30fc\u304c\u4eca\u5f8c\u3069\u308c\u3060\u3051\u9060\u304f\u307e\u3067\u884c\u304b\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u304b\u3067\u306f\u306a\u304f\u3001\u3069\u3053\u307e\u3067\u5230\u9054\u3057\u305f\u304b\u306b\u5e38\u306b\u7126\u70b9\u3092\u5f53\u3066\u3089\u308c\u308b\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002\u65c5\u306e\u7279\u5b9a\u306e\u30de\u30a4\u30eb\u30b9\u30c8\u30fc\u30f3\uff08\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u30d9\u30fc\u30b9\u306e\u3057\u304d\u3044\u5024\u3084\u9023\u7d9a\u5b9a\u671f\u9810\u91d1\u306e\u7d99\u7d9a\u306a\u3069\uff09\u306b\u304a\u3051\u308b\u8996\u899a\u7684\u306a\u30b3\u30f3\u30c6\u30ad\u30b9\u30c8\u30ea\u30de\u30a4\u30f3\u30c0\u30fc\u3082\u3001\u3055\u3089\u306a\u308b\u30e2\u30c1\u30d9\u30fc\u30b7\u30e7\u30f3\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002  <\/p>\n<h2>\u7d50\u8ad6<\/h2>\n<p>\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u30c7\u30b8\u30bf\u30eb \u30d0\u30f3\u30ad\u30f3\u30b0 \u30b5\u30fc\u30d3\u30b9\u3001\u7279\u306b\u30c7\u30b8\u30bf\u30eb \u30d0\u30f3\u30ad\u30f3\u30b0 \u30b5\u30fc\u30d3\u30b9\u3092\u8a2d\u8a08\u3059\u308b\u969b\u306b\u3001\u5bc4\u9644\u9032\u6b69\u52b9\u679c\u304c\u6d88\u8cbb\u8005\u306b\u4e0e\u3048\u308b\u5f71\u97ff\u3092\u8003\u616e\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002 <a href=\"https:\/\/www.moneythor.com\/jp\/solution\/%e6%9c%80%e6%96%b0%e3%81%ae-pfm-%e6%a9%9f%e8%83%bd%e3%82%92%e3%83%90%e3%83%b3%e3%82%ad%e3%83%b3%e3%82%b0-%e3%82%a2%e3%83%97%e3%83%aa%e3%81%ab%e8%bf%bd%e5%8a%a0%e3%81%99%e3%82%8b\/\" target=\"_blank\" rel=\"noopener\">\u500b\u4eba\u8ca1\u52d9\u7ba1\u7406 (PFM) \u30c4\u30fc\u30eb<\/a>\u3001\u7d4c\u6e08\u7684\u5e78\u798f\u306e\u65c5\u3068\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3\u30d7\u30ed\u30b0\u30e9\u30e0\u3002\u6d88\u8cbb\u8005\u306f\u76ee\u6a19\u306e\u9054\u6210\u306b\u8fd1\u3065\u304f\u306b\u3064\u308c\u3066\u3001\u76ee\u6a19\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306b\u3055\u3089\u306b\u52aa\u529b\u3059\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u304f\u3001\u6709\u5229\u306a\u30b9\u30bf\u30fc\u30c8\u3092\u5207\u308b\u3053\u3068\u304c\u3067\u304d\u308c\u3070\u3001\u52aa\u529b\u3092\u653e\u68c4\u3059\u308b\u53ef\u80fd\u6027\u304c\u4f4e\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_1928110492\">\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=\"\u30de\u30cd\u30fc\u30bd\u30fc\u306e\u30cb\u30e5\u30fc\u30b9\u30ec\u30bf\u30fc\u3092\u8cfc\u8aad\u3059\u308b\" 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_1928110492 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>","protected":false},"excerpt":{"rendered":"<p>To understand how the Endowed Progress Effect can be applied to banking use cases as an interesting tool to nudge customers in achieving their goals, let&#8217;s first imagine this: two people buy their morning coffee at the same caf\u00e9 every day, but were both given a different loyalty card that allows them to redeem a free coffee upon completion. The first person gets a 10-star card with no free stars and the second person receives a 12-star card with two free stars. Who do you think will be more motivated to achieve their free coffee? If you guessed the second person, then you&#8217;ve made a similar assumption as most other [&#8230;]\n","protected":false},"author":4,"featured_media":6608,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[68,279],"tags":[],"class_list":["post-6607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-behavioural-science","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Endowed Progress Effect | Behavioural Science in Banking | Moneythor<\/title>\n<meta name=\"description\" content=\"The Endowed Progress Effect applied to banking use cases can be an interesting tool to nudge customers in achieving their goals.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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