Numerical Nudging

There are ideas that shout. Numerical Nudging is not one of them. It waits quietly until the day you need it.

The idea is simple, and like most simple ideas it is easy to nod at and hard to use. The nod is free. The use costs attention, every day, in small change.

It is worth keeping in your pocket not because it is always right, but because it is always available. A tool you carry beats a perfect tool you left at home.

Watch the Mumbai local at 8:47 a.m. Nobody in that compartment is lazy. Yet by evening, half the day's resolve has leaked out through small negotiations: one more chai, one more scroll, one more tomorrow.

Time is the one currency the Reserve Bank does not print more of. Tomorrow will provide the test. It always does.