📖 Buch lesen - Seduction by Contract: Law, Economics, And Psychology In Consumer Markets

Buch lesen Seduction by Contract: Law, Economics, And Psychology In Consumer Markets

Beschreibung Seduction by Contract: Law, Economics, And Psychology In Consumer Markets

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Consumers routinely enter into long-term contracts with providers of goods and services - from credit cards, mortgages, cell phones, insurance, TV, and internet services to household appliances, theatre and sports events, health clubs, magazine subscriptions, transportation, and more. Across these consumer markets certain design features of contracts are recurrent, and puzzling. Why do sellers design contracts to provide short-term benefits and impose long-term costs? Why are low introductory prices so common? Why are the contracts themselves so complex, with numerous fees and interest rates, tariffs and penalties? Seduction by Contract explains how consumer contracts emerge from the interaction between market forces and consumer psychology. Consumers are short-sighted and optimistic, so sellers compete to offer short-term benefits, while imposing long-term costs. Consumers are imperfectly rational, so sellers hide the true costs of products and services in complex contracts. Consumers are seduced by contracts that increase perceived benefits, without actually providing more benefits, and decrease perceived costs, without actually reducing the costs that consumers ultimately bear. Competition does not help this behavioural market failure. It may even exacerbate it. Sellers, operating in a competitive market, have no choice but to align contract design with the psychology of consumers. A high-road seller who offers what she knows to be the best contract will lose business to the low-road seller who offers what the consumer mistakenly believes to be the best contract. Put bluntly, competition forces sellers to exploit the biases and misperceptions of their customers. Seduction by Contract argues that better legal policy can help consumers and enhance market efficiency. Disclosure mandates provide a promising avenue for regulatory intervention. Simple, aggregate disclosures can help consumers make better choices. Comprehensive disclosures can facilitate the work of intermediaries, enabling them to better advise consumers. Effective disclosure would expose the seductive nature of consumer contracts and, as a result, reduce sellers' incentives to write inefficient contracts. Developing its explanation through a general framework and detailed case studies of three major consumer markets (credit cards, mortgages, and cell phones), Seduction by Contract is an accessible introduction to the law and economics of consumer contracts, and a powerful critique of current regulatory policy.

Seduction by Contract: Law, Economics, And Psychology In Consumer Markets ebooks

(PDF) Seduction by Contract: Law, Economics and Psychology ~ Consumers routinely enter into contracts with providers of goods and services. These contracts are designed by sophisticated sellers to exploit the psychological biases of consumers. They provide short-term benefits, while imposing long-term costs –

Seduction by Contract: Law, Economics, and Psychology in ~ Consumers are seduced by contracts that increase perceived benefits, without actually providing more benefits, and decrease perceived costs, without actually reducing the costs that consumers ultimately bear. Competition does not help this behavioural market failure. It may even exacerbate it. Sellers, operating in a competitive market, have no choice but to align contract design with the .

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Download PDF: Seduction By Contract Law Economics And ~ Title: Download PDF: Seduction By Contract Law Economics And Psychology In Consumer PDF Books Author: pdfsmiles Subject: Download PDF: Seduction By Contract Law Economics And Psychology In Consumer Markets Ebook EditionNice ebook you must read is Seduction By Contract Law Economics And Psychology In Consumer Markets Ebook Edition.

Seduction by Contract: Law, Economics and Psychology in ~ Seduction By Contract: Law, Economics and Psychology in Consumer Markets, Oxford University Press (2012) NYU Law and Economics Research Paper No. 12-33. 6 Pages Posted: 28 Sep 2012. See all articles by Oren Bar-Gill Oren Bar-Gill. Harvard Law School. Date Written: September 28, 2012. Abstract. Consumers routinely enter into contracts with providers of goods and services. These contracts are .

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Download Seduction By Contract Law ~ Download Seduction By Contract Law Economics And Psychology In Consumer Markets Seduction By Contract Law Economics AN ASSESSMENT OF BEHAVIORAL LAW AND ECONOMICS … Seduction by Contract: Law, Economics, and Psychology in Consumer Markets (Oxford University Press 2012) Most of the analysis of credit cards in the book is largely a reiteration of the arguments in … NEW YORK UNIVERSITY SCHOOL .

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Seduction by Contract: Law, Economics, And Psychology In ~ Seduction by Contract explains how consumer contracts emerge from the interaction between market forces and consumer psychology. Consumers are short-sighted and optimistic, so sellers compete to offer short-term benefits, while imposing long-term costs. Consumers are imperfectly rational, so sellers hide the true costs of products and services in complex contracts. Consumers are seduced by .

Seduction by Contract: Law, Economics, and Psychology in ~ Seduction by Contract explains how consumer contracts emerge from the interaction between market forces and consumer psychology. Consumers are short-sighted and optimistic, so sellers compete to offer short-term benefits, while imposing long-term costs. Consumers are imperfectly rational, so sellers hide the true costs of products and services in complex contracts. Consumers are seduced by .

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Seduction by Contract - Hardcover - Oren Bar-Gill - Oxford ~ Seduction by Contract Law, Economics, and Psychology in Consumer Markets Oren Bar-Gill . An accessible, rigorous explanation of the inner workings of consumer markets and of the consumer contracts that we all sign

The Journal of Law and Economics / List of Issues ~ Transaction-Cost Economics: The Governance of Contractual Relations. Oliver E. Williamson; Vol. 22, No. 2 21 Oct 2015. No Access . Agency Problems and Residual Claims. Eugene F. Fama, and ; Michael C. Jensen; Vol. 26, No. 2 21 Oct 2015. Volume 63, Number 3. August 2020. Download the E-book. Individual Subscribers:Log in for access. e-Book access is included with your individual subscription .

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Oren Bar-Gill - ~ Bücher von Oren Bar-Gill Sprache: Sprache: . Seduction by Contract: Law, Economics, and Psychology in Consumer Markets (English Edition) 23.08.2012. von Oren Bar-Gill Kindle Ausgabe. 17,94 € Gebundene Ausgabe. 52,15 € Gewöhnlich versandfertig in 1 bis 3 Wochen. Taschenbuch. 23,00 € Andere Formate: Unbekannter Einband ( 3 ) Seduction by Contract: Law, Economics, and Psychology in .

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