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How widespread is behavioral science in the German financial industry? A recent survey of 127 executives by the CFA Society Germany shows that one-third of financial institutions in Germany (32 percent) have not yet used any approaches from behavioral economics.
In the longer term, demographic developments in Germany will lead to a further reduction in the level of provision in the statutory pension scheme, albeit indirectly via an increase in the retirement age. For this reason, state-subsidized occupational and private pensions are needed more than ever to compensate for this.