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其他書名
Final Report
出版Publications Office of the European Union, 2019
ISBN929478097X9789294780973
URLhttp://books.google.com.hk/books?id=-YfGzQEACAAJ&hl=&source=gbs_api
註釋The objectives of the project were to (i) illustrate the landscape of retail financial services providers using digital means to market and sell their products to EU consumers; (ii) map the commercial practices used by these providers online at the advertising and pre-contractual stages and assess these practices from the perspective of consumers; (iii) assess, via behavioural experiments, the impacts of these practices and corresponding remedies on consumers' decision-making and understanding of products and test the drivers behind these impacts; and (iv) make evidence-based conclusions and policy recommendations. The preparatory phase involved a literature review, online desk research, semi-structured interviews with stakeholders, focus groups and a legal assessment of identified commercial practices. Behavioural experiments were then conducted, in conjunction with a consumer survey, to understand consumers' perceptions of the commercial practices and to test the impacts of the practices and corresponding remedies on consumer decision-making and understanding. The results show, for example, the impacts of digitalisation on the sector, the importance of providing information upfront in a clear, comparable and balanced way and adapting information to the user's device, the effects of a faster/slower purchasing process, and that some identified practices may be legally problematic. Based on these results the study proposes a range of policy options.