The research, expanded into plain-English essays: what each paper found, how they found it, and what to actually do about it. Still one tap from the source, always linked.
Five studies across three countries and five designs mostly agree: the checkout button lifts spending, the fees are real, and the harm lives in the stacking. A narrative meta-synthesis.
Later sunsets cost retail traders 29 to 64 basis points a month. The mechanism looks like sleep, and the specific failure is missing earnings news.
783 professional portfolios: buys beat random picks by 100 bps a year, sells lost to random selling by 80. Selling is a different skill, and salience picks the victims.
Fewer than 30% pass the Big Three finance quiz, and people got the inflation question wrong during an actual inflation spike.
Checkout installments raise total spending about $130 on impact and $60 a week permanently, plus overdraft spillovers. It's engineered spending.
In 412 lower-income households, behaviour predicted well-being twice as strongly as literacy, and literacy didn't change behaviour at all.