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This month, Claricy’s team held three AI related sessions for education professionals in Tallinn. The topics were: Digital strategy and innovation in educational institutions: how to build a smart and sustainable digital culture AI literacy for teachers: how to make smart choices when using AI Critical thinking in the age of AI: source criticism and misinformation At first glance, those may sound like totally separate themes, but they all point to the same underlying issue: e

Investor disagreement can push prices because market moves also validate identity. When people feel right, their belief can grow faster than the evidence. Generic nudges do not work well when people are strongly attached to their existing view. You can see this in daily life long before you see it in a market chart. Someone believes a false story online and then starts treating every new detail as proof they were right. In investing, that process gets stronger because the fee

Negative emotion changes financial choices more than positive visuals do. A nicer UI does not remove fear, uncertainty, or low trust. Financial behavior shifts when you address the real barrier, not just the mood. A lot of design in financial topics still follow a very simple idea: make the experience friendlier and people will feel ready to act. You can see it everywhere: soft colors, calm nature photos, reassuring copywriting. Small visual choices are meant to make investin

One of the easiest mistakes in behavioral design is to assume that more knowledge will naturally lead to better financial decisions. It sounds reasonable: teach people how investing works, explain retirement planning more clearly, improve financial literacy and behavior should improve. In practice, that link is much weaker. A 2026 study by Yi Jiang and Shohei Shimizu confirmed a familiar pattern using data from Japan’s 2022 Financial Literacy Survey. Standard regression analy

Three key findings Deliberate spending was the top choice, ahead of salary, when asked about top three things influencing financial well-being. Savings, investing, and budgeting all ranked high. Financial literacy mattered less than everyday money habits. A lot of stress, that is caused by money, starts in ordinary moments. Standing in a supermarket after work. Ordering something online late in the evening. Renewing a subscription because checking it feels annoying. None of t