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Emplo)7.3(y)6.3(ees often complete)]TJ ET EMC /P <>BDC BT 9 0 0 9 218.5535 391.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 379.5065 Tm -.02 Tc [(actions that ar)9.3(e not compliant with information)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.0293 379.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 367.5065 Tm -.02 Tc [(security policies such as sharing passwor)9.3(ds, using)]TJ ET EMC /P <>BDC BT 9 0 0 9 228.6442 367.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 355.5065 Tm -.02 Tc [(social media websites on or)9.3(ganization de)6.3(vices and)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.1162 355.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 343.5065 Tm -.02 Tc [(lea)7.3(ving pr)9.8(oject-r)9.3(elated notes unattended. )19.5(The lack of)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.6541 343.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 331.5065 Tm -.02 Tc [(information security compliance among emplo)7.3(y)6.3(ees)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.1769 331.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 319.5065 Tm -.02 Tc [(leads t)9.8(o)0( many security br)9.3(eaches and loss of data. )19.5(T)48.3(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.3702 319.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 307.5064 Tm -.02 Tc [(a)7.3(v)7.3(oid these kinds of thr)9.3(eats, or)9.3(ganizations should)]TJ ET EMC /P <>BDC BT 9 0 0 9 224.8738 307.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 295.5064 Tm -.02 Tc [(focus mor)9.3(e on security policies and getting all)]TJ ET EMC /P <>BDC BT 9 0 0 9 211.0171 295.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 283.5064 Tm -.02 Tc [(emplo)7.3(y)6.3(ees t)9.8(o)0( comply with them. )]TJ ET EMC /P <>BDC BT 9 0 0 9 161.87 283.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 259.5064 Tm -.02 Tc [(Along with str)9.3(engthening the security str)19.5(ategy)52.2(,)]TJ ET EMC /P <>BDC BT 9 0 0 9 211.716 259.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 247.5064 Tm -.02 Tc [(or)9.3(ganizations need t)9.8(o)0( manage those emplo)7.3(y)6.3(ees and)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.8728 247.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 235.5064 Tm -.02 Tc [(stak)9.8(eholders who do not follow them and, ther)9.3(efor)9.3(e,)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.9661 235.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 223.5064 Tm -.02 Tc [(cr)9.3(eate security thr)9.3(eats. Howe)6.3(v)6.3(e)0(r)60.1(,)0( if or)9.3(ganizations)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.2482 223.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 211.5064 Tm -.02 Tc [(follow a highly r)9.3(estrictiv)6.3(e security policy)52.2(, it will limit)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.9823 211.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 199.5064 Tm -.02 Tc (the )Tj /TT11 1 Tf 1.5748 0 TD 0 Tc ()Tj /TT2 1 Tf .5479 0 TD -.02 Tc [(exibility of emplo)7.3(y)6.3(ees, which might r)9.3(esult in)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.1408 199.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 187.5064 Tm -.02 Tc [(r)9.3(esentment among emplo)7.3(y)6.3(ees. 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-.02 Tc [( One appr)9.8(oach for impr)9.8(o)7.3(ving)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.8201 482.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 470.9119 Tm -.02 Tc [(information security awar)9.3(eness, which is a)]TJ ET EMC /P <>BDC BT 9 0 0 9 305.9073 470.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 458.9119 Tm -.02 Tc [(constituent of the cybersecurity cultur)9.3(e fr)19.5(amework, is)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.1898 458.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 446.9119 Tm -.02 Tc [(t)9.8(o)0( apply the nudge theor)-8.8(y)52.2(,)0( a beha)7.3(vior)19.5(al economics)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.4204 446.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 434.9119 Tm -.02 Tc [(theor)-8.8(y)52.2(.)0( Nudge theor)-8.8(y inv)7.3(olv)6.3(es the use of intr)9.8(oducing)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.6588 434.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 422.9119 Tm -.02 Tc [(beha)7.3(vior)19.5(al changes in people b)5.4(y)0( altering the choice)]TJ ET EMC /P <>BDC BT 9 0 0 9 338.1561 422.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 410.9119 Tm -.02 Tc [(ar)9.3(chitectur)9.3(es.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 196.2494 413.6119 Tm 0 Tc (5)Tj ET EMC /P <>BDC BT 9 0 0 9 199.1017 410.9119 Tm -.02 Tc [( Nudge theor)-8.8(y can be used t)9.8(o)0( cr)9.3(eate)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.7146 410.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 398.9119 Tm -.02 Tc [(beha)7.3(vior)19.5(al changes among emplo)7.3(y)6.3(ees without)]TJ ET EMC /P <>BDC BT 9 0 0 9 321.7145 398.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 386.9119 Tm -.02 Tc [(for)9.3(cing or pr)9.3(essuring them t)9.8(o)0( follow all security rules,)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.518 386.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 374.9119 Tm -.02 Tc [(instead b)5.4(y)0( motiv)7.3(ating them and altering their)]TJ ET EMC /P <>BDC BT 9 0 0 9 313.8884 374.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 362.9119 Tm -.02 Tc [(decisions and habits t)9.8(o)0( maintain all security policies.)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.5027 362.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 144 336.9119 Tm .38 .5 0 0 k -.005 Tc [(Nudge )29.3(Theor)-8.8(y and Its A)23.4(pplications)]TJ ET EMC /P <>BDC BT 11 0 0 11 312.4226 336.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 144 318.9119 Tm 0 0 0 1 k -.005 Tc [(A nudge is a beha)7.3(vior)19.5(al science concept that alters)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.4037 318.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 306.9119 Tm -.005 Tc [(people)39.1()54.7(s)0( beha)7.3(vior in a pr)9.3(edictable wa)7.3(y without)]TJ ET EMC /P <>BDC BT 9 0 0 9 324.5324 306.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 294.9119 Tm -.005 Tc (forbidding any options or signi)Tj /TT11 1 Tf 13.3079 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (cantly changing)Tj ET EMC /P <>BDC BT 9 0 0 9 330.9957 294.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 282.9119 Tm -.005 Tc [(their economic incentiv)6.3(es. )19.5(T)48.3(o)0( be counted as a mer)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.8437 282.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 270.9119 Tm -.005 Tc [(nudge, the inter)-8.8(v)6.3(ention must be cheap and easy t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.226 270.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 258.9119 Tm -.005 Tc [(a)7.3(v)7.3(oid. Nudges ar)9.3(e not mandates; the)6.3(y ar)9.3(e indir)9.3(ect)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.106 258.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 246.9119 Tm -.005 Tc [(suggestions t)9.8(o)0( in)]TJ /TT11 1 Tf 7.5332 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc [(uence the beha)7.3(vior and decision-)]TJ ET EMC /P <>BDC BT 9 0 0 9 144 234.9119 Tm (making of an individual.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 237.7061 237.6118 Tm 0 Tc (6)Tj ET EMC /P <>BDC BT 9 0 0 9 240.6934 234.9119 Tm -.005 Tc [( )19.5(The nudge theor)-8.8(y r)9.3(elies on)]TJ ET EMC /P <>BDC BT 9 0 0 9 347.1448 234.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 222.9119 Tm -.005 Tc [(the philosophy of liber)-24.4(tarian paternalism.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 311.2498 225.6118 Tm 0 Tc (7)Tj ET EMC /P <>BDC BT 9 0 0 9 314.2371 222.9119 Tm -.005 Tc [( E)12.7(v)6.3(en)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.2773 222.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 210.9119 Tm -.005 Tc [(though both liber)-24.4(tarianism and paternalism ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 329.2564 210.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 198.9119 Tm -.005 Tc [(opposing mor)19.5(al principles, it is ar)9.3(gued that)]TJ ET EMC /P <>BDC BT 9 0 0 9 311.5046 198.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 186.9119 Tm -.005 Tc [(pr)9.8(o)7.3(viding guidance t)9.8(o)0( people when choosing the)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.631 186.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 174.9119 Tm -.005 Tc [(best alternativ)6.3(e fr)9.8(om a set of choices for o)7.3(v)6.3(er)19.5(all)]TJ ET EMC /P <>BDC BT 9 0 0 9 332.144 174.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 162.9119 Tm -.005 Tc [(community welfar)9.3(e is bene)]TJ /TT11 1 Tf 11.8145 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(cial t)9.8(o)0( all stak)9.8(eholders. )]TJ ET EMC /P <>BDC BT 9 0 0 9 348.1248 162.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 138.9119 Tm -.02 Tc [(The concept of pr)9.3(esenting a )28.8(choice ar)9.3(chitectur)9.3(e)6.8()0( as)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.8893 138.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 126.9119 Tm -.02 Tc [(a )9.8(nudge)6.8( can be explained using an example.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 318.4233 129.6118 Tm 0 Tc (8)Tj ET EMC /P <>BDC BT 9 0 0 9 321.2756 126.9119 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 114.9119 Tm -.02 Tc [(Assume that two school caf)11.7(eterias ar)9.3(e tr)-8.8(ying t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 324.2335 114.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 102.9119 Tm -.02 Tc [(r)9.3(educe the consumption of junk food among childr)9.3(en,)]TJ ET EMC /P <>BDC BT 9 0 0 9 347.767 102.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 90.9119 Tm -.02 Tc [(and the)6.3(y each adopted a diff)11.7(er)9.3(ent mechanism t)9.8(o)0( do)]TJ ET EMC /P <>BDC BT 9 0 0 9 340.8716 90.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 78.9119 Tm -.02 Tc -.0195 Tw (it. The )Tj /TT11 1 Tf 2.8254 0 TD 0 Tc 0 Tw ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(rst caf)11.7(eteria attacks the pr)9.8(oblem b)5.4(y)0( banning)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.1468 78.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 66.9119 Tm -.02 Tc [(the sale of junk food. )19.5(The other caf)11.7(eteria changes the)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.8579 66.9119 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 695.25 Tm -.02 Tc [(displa)7.3(y of food items b)5.4(y)0( shifting junk food t)9.8(o)0( a higher)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.4969 695.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 683.25 Tm -.02 Tc [(shelf that is har)9.3(d for childr)9.3(en t)9.8(o)0( r)9.3(each and placing)]TJ ET EMC /P <>BDC BT 9 0 0 9 550.6798 683.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 671.25 Tm -.02 Tc [(healthier food items at e)6.3(y)6.3(e)0( le)6.3(v)6.3(el wher)9.3(e the)6.3(y ar)9.3(e easily)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.5452 671.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 659.25 Tm -.02 Tc [(visible and appr)9.8(oachable. Both caf)11.7(eterias used two)]TJ ET EMC /P <>BDC BT 9 0 0 9 556.8713 659.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 647.25 Tm -.02 Tc [(v)6.3(e)0(r)-8.8(y)0( diff)11.7(er)9.3(ent appr)9.8(oaches t)9.8(o)0( tr)-8.8(y t)9.8(o)0( contr)9.8(ol the)]TJ ET EMC /P <>BDC BT 9 0 0 9 533.9357 647.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 635.25 Tm -.02 Tc [(consumer)-7.8()54.7(s)0( actions. )19.5(The )]TJ /TT11 1 Tf 10.5835 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(rst caf)11.7(eteria in)]TJ /TT11 1 Tf 6.0643 0 TD 0 Tc ()Tj /TT2 1 Tf .5479 0 TD -.02 Tc (uences)Tj ET EMC /P <>BDC BT 9 0 0 9 549.8 635.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 623.25 Tm -.02 Tc [(actions b)5.4(y)0( limiting choices, and, thus, the consumer)-7.8()54.7(s)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.3207 623.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 611.25 Tm -.02 Tc [(complete fr)9.3(eedom of choice. But the second caf)11.7(eteria)]TJ ET EMC /P <>BDC BT 9 0 0 9 567.6779 611.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 599.25 Tm -.02 Tc (uses a nudging techniquealtering the choice)Tj ET EMC /P <>BDC BT 9 0 0 9 537.4375 599.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 587.25 Tm -.02 Tc [(ar)9.3(chitectur)9.3(e t)9.8(o)0( dr)19.5(aw attention awa)7.3(y fr)9.8(om the junk)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.5103 587.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 575.25 Tm -.02 Tc [(food, ther)9.3(eb)5.4(y incr)9.3(easing the pr)9.8(obability of healthier)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.0482 575.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 563.25 Tm -.02 Tc [(items being selected b)5.4(y)0( the consumer)60.1(. When using a)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.8567 563.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 551.25 Tm -.02 Tc [(nudge, it is impor)-24.4(tant t)9.8(o)0( note that beha)7.3(vior is not)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.8827 551.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 539.25 Tm -.02 Tc (in)Tj /TT11 1 Tf .7544 0 TD 0 Tc ()Tj /TT2 1 Tf .5479 0 TD -.02 Tc [(uenced b)5.4(y)0( r)9.3(estrictions or adding any economic)]TJ ET EMC /P <>BDC BT 9 0 0 9 552.1512 539.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 527.25 Tm -.02 Tc [(incentiv)6.3(es, r)19.5(ather it is in)]TJ /TT11 1 Tf 9.8692 0 TD 0 Tc ()Tj /TT2 1 Tf .5479 0 TD -.02 Tc [(uenced b)5.4(y)0( changing the)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.9309 527.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 515.25 Tm -.02 Tc [(pr)9.3(esentation of the choices.)]TJ ET EMC /P <>BDC BT 9 0 0 9 468.7522 515.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 491.25 Tm -.005 Tc [(When de)6.3(vising a fr)19.5(amework for designing nudges, it)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.1742 491.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 479.25 Tm -.005 Tc (can be classi)Tj /TT11 1 Tf 5.7241 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ed int)9.8(o four dimensions:)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 514.4279 481.95 Tm 0 Tc (9)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 517.4152 481.95 Tm ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 375.2783 461.274 Tm 0 .36 0 0 k -.005 Tc [(Boosting self-contr)17.6(ol vs. activ)7.3(ating a desir)9.3(ed)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 554.1848 461.274 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 362.5 461.274 Tm (1.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 449.274 Tm -.005 Tc [(beha)7.3(vior)]TJ ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 408.1893 449.274 Tm 0 0 0 1 k 0 Tc ()Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 415.0131 449.274 Tm -.005 Tc [(Nudges that ar)9.3(e designed t)9.8(o)0( boost)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 551.3455 449.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 437.274 Tm -.005 Tc [(self-contr)9.8(ol ar)9.3(e used t)9.8(o)0( in)]TJ /TT11 1 Tf 11.1253 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc [(uence individuals t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 557.1357 437.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 425.274 Tm -.005 Tc [(mak)9.8(e a decision that the)6.3(y think might be)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 532.9388 425.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 413.274 Tm -.005 Tc (bene)Tj /TT11 1 Tf 2.1524 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(cial t)9.8(o)0( them in the long run but that the)6.3(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 554.1704 413.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 401.274 Tm -.005 Tc [(might not be inter)9.3(ested in at that par)-24.4(ticular time.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 563.9309 401.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 389.274 Tm -.005 Tc (A good example of this class of nudge is)Tj ET EMC /LBody <>BDC BT 9 0 0 9 533.7694 389.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 377.274 Tm -.005 Tc [(contributing t)9.8(o)0( a r)9.3(etir)9.3(ement fund early in)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 531.5789 377.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 365.274 Tm -.005 Tc [(emplo)7.3(yment. Nudges that ar)9.3(e meant for)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 531.1666 365.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 353.274 Tm -.005 Tc [(activ)7.3(ating a desir)9.3(ed tar)9.3(get beha)7.3(vior t)9.8(o)0( which an)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 559.6801 353.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 341.274 Tm -.005 Tc [(individual is normally indiff)11.7(er)9.3(ent or inattentiv)6.3(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 552.8896 341.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 329.274 Tm -.005 Tc [(\(e.g., nudges t)9.8(o)0( pr)9.8(omote or)9.3(gan donation or t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 552.2609 329.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 317.274 Tm -.005 Tc [(discour)19.5(age fr)9.8(om littering\). Information security)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 557.6497 317.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 305.274 Tm -.005 Tc [(awar)9.3(eness poster with nudges can be)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 522.6522 305.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 293.274 Tm -.005 Tc [(consider)9.3(ed under this classi)]TJ /TT11 1 Tf 12.278 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (cation.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 515.8395 293.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 375.2783 275.2979 Tm 0 .36 0 0 k -.02 Tc (Externally imposed vs. self-imposed)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 515.8663 275.2979 Tm 0 0 0 1 k 0 Tc ()Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 522.5549 275.2979 Tm -.02 Tc (Nudges)Tj ET EMC /LBody <>BDC BT 9 0 0 9 552.3862 275.2979 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 362.5 275.2979 Tm 0 .36 0 0 k (2.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 373.516 263.2979 Tm 0 0 0 1 k -.02 Tc (under this dimension determine how an individual)Tj ET EMC /LBody <>BDC BT 9 0 0 9 562.776 263.2979 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 251.2979 Tm -.02 Tc [(adopts a nudge, which could be in two wa)7.3(ys)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 373.516 239.2979 Tm [(v)7.3(oluntarily \(self-imposed\) or under the in)]TJ /TT11 1 Tf 17.0643 0 TD 0 Tc ()Tj /TT2 1 Tf .5479 0 TD -.02 Tc (uence of)Tj ET EMC /LBody <>BDC BT 9 0 0 9 565.2463 239.2979 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 227.2979 Tm -.02 Tc (an external option without any compulsion.)Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 537.6073 227.2979 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 539.6686 227.2979 Tm ( )Tj ET EMC /LBody <>BDC /GS1 gs BT 9 0 0 9 375.2783 209.322 Tm 0 .36 0 0 k -.02 Tc (Mindful vs. mindless)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 455.7769 209.322 Tm 0 0 0 1 k (Nudges under this)Tj ET EMC /LBody <>BDC BT 9 0 0 9 532.4695 209.322 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 362.5 209.322 Tm 0 .36 0 0 k (3.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 373.516 197.322 Tm 0 0 0 1 k -.02 Tc [(dimension tr)-8.8(y t)9.8(o)0( in)]TJ /TT11 1 Tf 7.8363 0 TD 0 Tc ()Tj /TT2 1 Tf .5479 0 TD -.02 Tc [(uence the beha)7.3(vior)19.5(al outcome)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 564.2219 197.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 185.322 Tm -.02 Tc [(of an individual b)5.4(y)0( r)9.3(eaching their inner selv)6.3(es.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 545.9099 185.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 173.322 Tm -.02 Tc [(Mindful nudges ar)9.3(e designed t)9.8(o)0( cause a beha)7.3(vior)19.5(al)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 567.3466 173.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 161.322 Tm -.02 Tc (change consciously in an individual. On the other)Tj ET EMC /LBody <>BDC BT 9 0 0 9 559.2738 161.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 149.322 Tm -.02 Tc [(hand, mindless nudges tr)-8.8(y t)9.8(o)0( bring about)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 528.7344 149.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 137.322 Tm -.02 Tc [(beha)7.3(vior)19.5(al changes unconsciously)52.2(. A mindful)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 545.5089 137.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 125.322 Tm -.02 Tc [(nudge could be a beha)7.3(vior)19.5(al change that a person)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 563.1056 125.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 113.322 Tm -.02 Tc [(might ha)7.3(v)6.3(e)0( been consciously wanting for a while)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 558.421 113.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 101.322 Tm -.02 Tc (such as eating healthy or quitting smoking. An)Tj ET EMC /LBody <>BDC BT 9 0 0 9 549.5481 101.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 89.322 Tm -.02 Tc [(inter)9.3(esting application of a mindless nudge can be)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 565.3823 89.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 77.322 Tm -.02 Tc [(seen when a website tries t)9.8(o)0( set a default choice)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 558.5751 77.322 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 65.322 Tm -.02 Tc [(while signing int)9.8(o a )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 448.5743 65.322 Tm -.005 Tc [(ser)-8.8(vice.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 479.1388 65.322 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC 0 .73 .03 .11 k /GS1 gs .12 597.962 349.158 103.518 re f EMC /Artifact <>BDC BT /TT15 1 Tf 47 0 0 47 33.0735 659.8687 Tm 0 .36 0 0 k ()Tj /TT2 1 Tf 14 0 0 14 46.9807 679.8689 Tm 0 0 0 0 k [( A NUDGE IS A BEH)-8.8(A)42.5(VIORAL SCIENCE )]TJ -.9934 -1.2857 TD [(CONCEPT)19.5( )19.5(TH)-8.8(A)63(T)19.5( AL)134.3(TERS PEOPLES BEH)-8.8(A)42.5(VIOR )]TJ T* [(IN A PREDIC)14.2(T)38.6(ABLE W)21(A)45.9(Y WI)14.2(THOUT)19.5( FORBIDDING )]TJ T* [(AN)13.7(Y OPTIONS OR SIGNIFICAN)14.2(TL)116.7(Y CH)-8.8(ANGING )]TJ T* [(THEIR ECONOMIC INCEN)14.2(TIVES. )]TJ /TT15 1 Tf 47 0 0 47 235.2873 587.8687 Tm 0 .36 0 0 k ()Tj ET EMC Q endstream endobj 74 0 obj <>/ExtGState<>>> endobj 81 0 obj <> endobj 90 0 obj <> endobj 95 0 obj <> endobj 100 0 obj <> endobj 105 0 obj <> endobj 112 0 obj <>stream /Artifact <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA JOURN)-8.8(AL)]TJ ET /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm 0 .73 .03 .11 k [( V)6.3(OL 1)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /Artifact <>BDC /GS1 gs BT 7 0 0 7 587.3827 23.0228 Tm 0 .73 .03 .11 k (3)Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 48.7784 694.7799 Tm 0 .36 0 0 k -.005 Tc [(Encour)14.6(age vs. discour)14.6(age)]TJ ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 151.7524 694.7799 Tm 0 0 0 1 k 0 Tc ()Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 158.5761 694.7799 Tm -.005 Tc [(These nudges striv)6.3(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 238.0227 694.7799 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 36 694.7799 Tm 0 .36 0 0 k (4.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 47.016 682.7799 Tm 0 0 0 1 k -.005 Tc [(t)9.8(o)0( bring a beha)7.3(vior)19.5(al change that is encour)19.5(aging)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 236.3135 682.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 670.7799 Tm -.005 Tc (a speci)Tj /TT11 1 Tf 3.1291 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(c desir)9.3(ed beha)7.3(vior or discour)19.5(aging a)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 222.9407 670.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 658.7799 Tm -.005 Tc [(beha)7.3(vior that is belie)6.3(v)6.3(ed t)9.8(o)0( be undesir)19.5(able.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 214.8635 658.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 640.7799 Tm -.005 Tc [(Nudges can be emplo)7.3(y)6.3(ed b)5.4(y)0( v)7.3(arious stak)9.8(eholders)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.5354 640.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 628.7799 Tm -.005 Tc [(such as the go)7.3(v)6.3(ernment, or)9.3(ganizations and)]TJ ET EMC /P <>BDC BT 9 0 0 9 205.6391 628.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 616.7799 Tm -.005 Tc [(individuals and can r)9.3(esult in a r)19.5(ange of outcomes.)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.6454 616.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 604.7799 Tm -.005 Tc [(Nudges aim t)9.8(o)0( impr)9.8(o)7.3(v)6.3(e beha)7.3(vior thr)9.8(ough a br)9.8(oad)]TJ ET EMC /P <>BDC BT 9 0 0 9 228.8943 604.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 592.7799 Tm -.005 Tc [(v)7.3(ariety of techniques such as )]TJ /TT11 1 Tf 13.0277 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancial incentiv)6.3(e,)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.9643 592.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 580.7799 Tm -.005 Tc [(pr)9.8(o)7.3(viding r)9.3(ele)6.3(v)7.3(ant information or e)6.3(v)6.3(en activ)6.3(ely)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.2654 580.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 568.7799 Tm -.005 Tc [(blocking an inappr)9.8(opriate choice. A f)11.7(ew examples)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.933 568.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 556.7799 Tm -.005 Tc [(of the application of nudges in many r)9.3(eal-lif)11.7(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 210.9644 556.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 544.7799 Tm -.005 Tc (scenarios include the following:)Tj ET EMC /P <>BDC BT 9 0 0 9 160.644 544.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 47.016 526.8038 Tm 0 .36 0 0 k -.02 Tc [(Reduce ener)9.3(gy consumption)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 157.7984 526.8038 Tm 0 0 0 1 k (Consumption of)Tj ET EMC /LBody <>BDC BT 9 0 0 9 226.3296 526.8038 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT17 1 Tf 12 0 0 12 36 526.8038 Tm 0 .36 0 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 47.016 514.8038 Tm 0 0 0 1 k -.02 Tc [(electricity in the US State of California was r)9.3(educed)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 241.2164 514.8038 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 502.8039 Tm -.02 Tc [(b)5.4(y)0( nearly 3 per)9.3(cent when r)9.3(esidents wer)9.3(e nudged)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 230.4837 502.8039 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 490.8039 Tm -.02 Tc [(b)5.4(y)0( being informed of their electricity consumption)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 236.2631 490.8039 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 478.8039 Tm -.02 Tc [(in r)9.3(elation t)9.8(o)0( the consumption of other households)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 239.5679 478.8039 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 466.8039 Tm -.02 Tc (in that )Tj ET EMC /LBody <>BDC BT 9 0 0 9 72.9145 466.8039 Tm -.005 Tc (neighborhood.)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 130.1487 469.5038 Tm -.0083 Tc (10)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 136.1231 469.5038 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 47.016 448.8279 Tm 0 .36 0 0 k -.005 Tc [(Incr)9.3(ease expected v)7.3(oter par)-24.4(ticipation in)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 205.5028 448.8279 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT /TT17 1 Tf 12 0 0 12 36 448.8279 Tm ()Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 47.016 436.8279 Tm -.005 Tc (elections)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 83.6044 436.8279 Tm 0 0 0 1 k [(In the US States of New Jerse)6.3(y \(2005)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 237.2251 436.8279 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 424.8279 Tm -.005 Tc [(gener)19.5(al election\) and California \(2006 primar)-8.8(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 227.5132 424.8279 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 412.8279 Tm -.005 Tc [(election\), a study was conducted in which v)7.3(oters)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 237.9568 412.8279 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 400.8279 Tm -.005 Tc [(wer)9.3(e nudged using a phone campaign with a)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 222.8734 400.8279 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 388.8279 Tm -.005 Tc [(mindless encour)19.5(agement nudge that higher v)7.3(oter)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 240.8111 388.8279 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 376.8279 Tm -.005 Tc [(turnout is expected. )19.5(The r)9.3(esults showed se)6.3(v)6.3(e)0(n)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 229.7818 376.8279 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 364.8279 Tm -.005 Tc [(per)9.3(cent of r)9.3(espondents informed the r)9.3(esear)9.3(chers)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 240.3398 364.8279 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 352.8279 Tm -.005 Tc [(that the)6.3(y wer)9.3(e 100 per)9.3(cent lik)9.8(ely t)9.8(o)0( v)7.3(ote due t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 230.0557 352.8279 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 340.8279 Tm -.005 Tc [(the higher v)7.3(oter turnout nudge.)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 168.4751 343.5279 Tm -.0083 Tc (11)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 174.4495 343.5279 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 47.016 322.8518 Tm 0 .36 0 0 k -.005 Tc [(Impr)17.6(o)7.3(v)6.3(e tax collection)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 135.6089 322.8518 Tm 0 0 0 1 k (In 2012, the UK HM)Tj ET EMC /LBody <>BDC BT 9 0 0 9 218.5052 322.8518 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT17 1 Tf 12 0 0 12 36 322.8518 Tm 0 .36 0 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 47.016 310.8518 Tm 0 0 0 1 k -.005 Tc [(Re)6.3(v)6.3(enue and Cust)9.8(oms depar)-24.4(tment tried nudging)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 237.926 310.8518 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.016 298.8519 Tm -.005 Tc [(their delinquent taxpa)7.3(y)6.3(ers b)5.4(y)0( sending r)9.3(eminders)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 235.9014 298.8519 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 694.7799 Tm -.005 Tc [(in the mail that included a social pr)9.8(oof heuristic)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.1482 694.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 682.7799 Tm -.005 Tc [(such as Nine out of 10 people in the UK pa)7.3(y their)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 459.7727 682.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 670.7799 Tm -.005 Tc [(tax)9.8(es on time. Y)31.7(ou ar)9.3(e curr)9.3(ently in the v)6.3(e)0(r)-8.8(y)0( small)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 455.8793 670.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 658.7799 Tm -.005 Tc [(minority of people who ha)7.3(v)6.3(e)0( not paid us y)6.3(et.)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 441.422 658.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 646.7799 Tm -.005 Tc [(Results of such nudge messages wer)9.3(e v)6.3(e)0(r)-8.8(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 436.1141 646.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 634.7799 Tm -.005 Tc [(encour)19.5(aging, and the UK tax depar)-24.4(tment r)9.3(eceiv)6.3(ed)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 459.5605 634.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 622.7799 Tm -.005 Tc [(pa)7.3(yments of 4.9 million fr)9.8(om almost 120,000)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 447.8038 622.7799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 610.7799 Tm -.005 Tc [(delinquent taxpa)7.3(y)6.3(ers.)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 349.9263 613.4799 Tm -.0083 Tc (12)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 355.9009 613.4799 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 265.5159 592.8038 Tm 0 .36 0 0 k -.005 Tc (Reduce speeding tendencies among teenage)Tj ET EMC /LBody <>BDC BT 9 0 0 9 445.0307 592.8038 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT /TT17 1 Tf 12 0 0 12 254.5 592.8038 Tm ()Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 265.5159 580.8038 Tm -.005 Tc [(driv)6.3(ers)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 293.2075 580.8038 Tm 0 0 0 1 k [(In 2013, the US State of P)6.3(ennsylv)7.3(ania)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 446.9064 580.8038 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 568.8038 Tm -.005 Tc [(Depar)-24.4(tment of )19.5(T)36.6(r)19.5(anspor)-24.4(tation tried t)9.8(o)0( use the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 444.274 568.8038 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 556.8038 Tm -.005 Tc [(anchoring and adjustment bias heuristic b)5.4(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 435.2551 556.8038 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 544.8038 Tm -.005 Tc [(including images and statistics of r)9.8(oad accidents)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 459.2508 544.8038 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 532.8038 Tm -.005 Tc [(caused b)5.4(y)0( teenage driv)6.3(ers speeding fr)9.8(om 2007)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 450.2517 532.8038 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 520.8038 Tm -.005 Tc [(t)9.8(o)0( 2009 in the P)6.3(ennsylv)7.3(ania driv)6.3(er)-7.8()54.7(s)0( manual. )19.5(The)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 455.1211 520.8038 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 508.8039 Tm -.005 Tc [(salience and vivid natur)9.3(e of the pictur)9.3(es wer)9.3(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.1523 508.8039 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 496.8039 Tm -.005 Tc [(expected t)9.8(o)0( induce the beha)7.3(vior)19.5(al change of)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 439.6399 496.8039 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 484.8039 Tm -.005 Tc [(r)9.3(educing the teenagers o)7.3(v)6.3(er)9.3(con)]TJ /TT11 1 Tf 14.0199 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (dence in their)Tj ET EMC /LBody <>BDC BT 9 0 0 9 449.7926 484.8039 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 472.8039 Tm -.005 Tc (driving skills.)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 316.6967 475.5039 Tm -.0083 Tc (13)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 322.6712 475.5039 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 254.5 446.8039 Tm .38 .5 0 0 k -.005 Tc [(A)23.4(pplying Nudge )29.3(Theor)-8.8(y in Information)]TJ ET EMC /P <>BDC BT 11 0 0 11 440.6326 446.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 254.5 432.8039 Tm -.005 Tc [(Security A)16.1(war)9.3(eness)]TJ ET EMC /P <>BDC BT 11 0 0 11 351.4954 432.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 254.5 414.8039 Tm 0 0 0 1 k -.005 Tc [(A possible application of nudge theor)-8.8(y in)]TJ ET EMC /P <>BDC BT 9 0 0 9 415.1435 414.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 402.8039 Tm -.005 Tc [(information security management is in impr)9.8(o)7.3(ving)]TJ ET EMC /P <>BDC BT 9 0 0 9 448.1974 402.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 390.8039 Tm -.005 Tc [(information security awar)9.3(eness tr)19.5(aining among the)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.3539 390.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 378.8039 Tm -.005 Tc [(diff)11.7(er)9.3(ent stak)9.8(eholders of an or)9.3(ganization. An)]TJ ET EMC /P <>BDC BT 9 0 0 9 430.0369 378.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 366.8039 Tm -.005 Tc [(impor)-24.4(tant element of an information security)]TJ ET EMC /P <>BDC BT 9 0 0 9 431.2903 366.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 354.8039 Tm -.005 Tc [(awar)9.3(eness pr)9.8(ogr)19.5(am is the cr)9.3(eation of posters that)]TJ ET EMC /P <>BDC BT 9 0 0 9 451.2891 354.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 342.8039 Tm -.005 Tc [(conv)6.3(e)6.3(y)0( messages denoting the information security)]TJ ET EMC /P <>BDC BT 9 0 0 9 458.5225 342.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 330.8039 Tm -.005 Tc [(risk inv)7.3(olv)6.3(ed while engaging in daily business)]TJ ET EMC /P <>BDC BT 9 0 0 9 432.5187 330.8039 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 318.8038 Tm -.005 Tc [(oper)19.5(ations. Security posters can be designed using)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.7088 318.8038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 306.804 Tm -.005 Tc [(aspects of nudge theor)-8.8(y)52.2(,)0( par)-24.4(ticularly encour)19.5(aging)]TJ ET EMC /P <>BDC BT 9 0 0 9 448.7621 306.804 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 294.804 Tm -.005 Tc [(and discour)19.5(aging nudges. A )]TJ /TT11 1 Tf 12.4505 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc [(owchar)-24.4(t \()]TJ ET EMC /P <>BDC BT /TT18 1 Tf 9 0 0 9 409.1843 294.804 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 1)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 439.987 294.804 Tm (\) for)Tj ET EMC /P <>BDC BT 9 0 0 9 456.4219 294.804 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC Q q 1 i 33.258 283.003 425.295 -207.161 re W n 33.243 283.003 425.31 -207.176 re W n 36 283.003 422.552 -207.176 re 458.65 294.804 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .10588 .75294 .1098 0 k /GS1 gs 35.88 266.335 422.673 16.668 re f 0 0 0 0 K 0 J 0 j 2.444 w 10 M [] 0 d q 1 0 0 1 33.243 266.335 cm 0 0 m 42.654 0 l S Q 2.845 w q 1 0 0 1 53.44 266.335 cm 0 0 m 405.114 0 l S Q Q q 1 i 33.243 283.003 425.31 -207.176 re W n 36 283.003 422.552 -207.176 re 458.65 294.804 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS1 gs BT /F2 1 Tf 9.8 0 0 10 147.6428 272.3348 Tm 0 0 0 0 k -.0142 Tc .0005 Tw [(Figur)10.8(e).8( )-21(1Flowchart for Nudge Poster Conversion)]TJ ET Q q 1 i 33.258 283.003 425.295 -207.161 re W n 33.243 283.003 425.31 -207.176 re W n 36 283.003 422.552 -207.176 re 458.65 294.804 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .095 .125 0 0 k /GS1 gs 35.88 75.842 422.307 187.974 re f Q q 1 i 33.243 283.003 425.31 -207.176 re W n 36 283.003 422.552 -207.176 re 458.65 294.804 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .10588 .75294 .1098 0 k /GS1 gs q 1 0 0 1 242.936 229.535 cm 0 0 m -139.663 0 l -139.663 21.744 l 146.032 21.744 l 146.032 .665 l 7.254 .665 l 7.254 -3.7686 l 11.023 -3.7686 l 3.534 -11.75 l -4.16 -3.7686 l -.283 -3.7686 l 0 0 l f Q 0 0 0 1 K 0 J 0 j .5 w 10 M [] 0 d q 1 0 0 1 242.936 229.535 cm 0 0 m -139.663 0 l -139.663 21.744 l 146.032 21.744 l 146.032 .665 l 7.254 .665 l 7.254 -3.7686 l 11.023 -3.7686 l 3.534 -11.75 l -4.16 -3.7686 l -.283 -3.7686 l 0 0 l s Q .054902 .38824 .05098 0 k q 1 0 0 1 242.936 195.95 cm 0 0 m -139.663 0 l -139.663 21.744 l 146.032 21.744 l 146.032 .6656 l 7.254 .6656 l 7.254 -3.7685 l 11.023 -3.7685 l 3.534 -11.75 l -4.16 -3.7685 l -.283 -3.7685 l 0 0 l f Q q 1 0 0 1 242.936 195.95 cm 0 0 m -139.663 0 l -139.663 21.744 l 146.032 21.744 l 146.032 .6656 l 7.254 .6656 l 7.254 -3.7685 l 11.023 -3.7685 l 3.534 -11.75 l -4.16 -3.7685 l -.283 -3.7685 l 0 0 l s Q .38 .5 0 0 k q 1 0 0 1 242.936 162.362 cm 0 0 m -139.663 0 l -139.663 21.743 l 146.032 21.743 l 146.032 .665 l 7.254 .665 l 7.254 -3.769 l 11.023 -3.769 l 3.534 -11.75 l -4.16 -3.769 l -.283 -3.769 l 0 0 l f Q q 1 0 0 1 242.936 162.362 cm 0 0 m -139.663 0 l -139.663 21.743 l 146.032 21.743 l 146.032 .665 l 7.254 .665 l 7.254 -3.769 l 11.023 -3.769 l 3.534 -11.75 l -4.16 -3.769 l -.283 -3.769 l 0 0 l s Q .19 .25 0 0 k q 1 0 0 1 242.936 128.778 cm 0 0 m -139.663 0 l -139.663 21.743 l 146.032 21.743 l 146.032 .665 l 7.254 .665 l 7.254 -3.769 l 11.023 -3.769 l 3.534 -11.75 l -4.16 -3.769 l -.283 -3.769 l 0 0 l f Q q 1 0 0 1 242.936 128.778 cm 0 0 m -139.663 0 l -139.663 21.743 l 146.032 21.743 l 146.032 .665 l 7.254 .665 l 7.254 -3.769 l 11.023 -3.769 l 3.534 -11.75 l -4.16 -3.769 l -.283 -3.769 l 0 0 l s Q 0 .18 0 0 k q 1 0 0 1 242.936 95.188 cm 0 0 m -139.663 0 l -139.663 21.744 l 146.032 21.744 l 146.032 .665 l 7.254 .665 l 7.254 -3.768 l 11.023 -3.768 l 3.534 -11.749 l -4.16 -3.768 l -.283 -3.768 l 0 0 l f Q q 1 0 0 1 242.936 95.188 cm 0 0 m -139.663 0 l -139.663 21.744 l 146.032 21.744 l 146.032 .665 l 7.254 .665 l 7.254 -3.768 l 11.023 -3.768 l 3.534 -11.749 l -4.16 -3.768 l -.283 -3.768 l 0 0 l s Q BT /F2 1 Tf 10 0 0 10 112.0079 203.8573 Tm 0 0 0 1 k 0 Tc 0 Tw [(Identify beha)8.4(vior)15.4(al influences and heuristics t)14.4(o).5( apply t)14.4(o).5( the nudge.)]TJ 10.2461 -3.4075 TD (Select a nudge.)Tj -3.3398 -3.2456 TD .001 Tw [(Cr)9.6(eate a nudge-based message.)]TJ 0 0 0 0 k 1.0623 9.9763 TD 0 Tw [(Select a non-nudge poster)85.5(.)]TJ 0 0 0 1 k -2.2318 -13.3024 TD [(E)12.8(v)6.9(aluate the cr)9.5(eated nudge message.)]TJ ET EMC /Artifact <>BDC Q q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 .73 .03 .11 k /GS1 gs 473.222 410.673 129.778 290.035 re f EMC /Artifact <>BDC Q q 1 i 410.778 411.876 272.017 -172.676 re W n 473.222 410.682 156.307 -124.983 re W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS1 gs q 132.524 0 0 127.516 471.915 284.36 cm /Im4 Do Q EMC /Artifact <>BDC Q q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS1 gs BT /TT4 1 Tf 13 0 0 13 478.9775 689.8467 Tm 0 0 0 0 k 0 Tc 0 Tw ( )Tj 0 -1 TD -.025 Tc [(Enjo)7.3(ying )]TJ T* [(this ar)-24.4(ticle? )]TJ /TT20 1 Tf T* 0 Tc ( )Tj /TT17 1 Tf 10 0 0 10 478.9775 638.8467 Tm ()Tj /TT8 1 Tf .649 0 TD -.025 Tw [( Read )]TJ /TT10 1 Tf 2.9632 0 TD 0 Tw [(COBI)14.2(T)29.3( )]TJ -2.5247 -1.2 TD [(F)10.3(ocus Ar)9.3(ea: )]TJ T* (Information )Tj T* (Security)Tj /TT8 1 Tf 3.5752 0 TD (. )Tj /TT10 1 Tf -3.5752 -1.2 TD [(www)60.5(.isaca.or)9.3(g/ )]TJ T* [(COBI)14.2(T)132.8(-)0(F)10.3(ocus-)]TJ T* [(Ar)9.3(ea-Information)]TJ T* (-Security )Tj /TT17 1 Tf -1.0875 -1.2 TD ()Tj /TT8 1 Tf .649 0 TD -.025 Tw [( Learn )-25(mor)9.3(e )]TJ .4385 -1.2 TD 0 Tw (about, discuss )Tj T* [(and collabor)14.6(ate )]TJ T* (on information )Tj T* (and )Tj T* (cybersecurity in )Tj T* [(ISA)10.3(CA)58.6()113.3(s)0( )]TJ T* [(Online F)10.3(orums. )]TJ /TT10 1 Tf T* [(https:/)121.1(/engage. )]TJ T* [(isaca.or)9.3(g/ )]TJ T* (onlineforums)Tj ET EMC Q endstream endobj 113 0 obj <>/XObject<>/ExtGState<>>> endobj 143 0 obj <>stream /Artifact <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA JOURN)-8.8(AL)]TJ ET /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm 0 .73 .03 .11 k [( V)6.3(OL 1)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /Artifact <>BDC /GS1 gs BT 7 0 0 7 12.8637 23.0548 Tm 0 .73 .03 .11 k (4)Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 144.8892 671.7799 Tm 0 0 0 1 k -.005 Tc [(conv)6.3(er)-24.4(ting a non-nudge-based poster int)9.8(o a nudge-)]TJ ET EMC /P <>BDC BT 9 0 0 9 144.8892 659.7799 Tm [(based poster has been de)6.3(v)6.3(eloped after studying)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.1535 659.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 647.7799 Tm -.005 Tc [(nudge cr)9.3(eation techniques discussed in published)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.9781 647.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 635.7799 Tm -.005 Tc [(sour)9.3(ces.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 178.7144 638.4799 Tm -.0083 Tc (14)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 184.689 638.7499 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 186.9958 638.4799 Tm (15)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 192.9703 638.4799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 144.8892 611.7799 Tm -.005 Tc (Sele)Tj ET EMC /P <>BDC BT 9 0 0 9 162.0984 611.7799 Tm -.02 Tc (ct a Non-Nudge-Based Message)Tj ET EMC /P <>BDC BT 9 0 0 9 287.0845 611.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 144.8892 599.7799 Tm -.02 Tc (The )Tj /TT11 1 Tf 1.8448 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (rst)Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 176.382 599.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 178.4431 599.7799 Tm -.02 Tc [(step in nudge-based poster cr)9.3(eation is t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.6575 599.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 587.7799 Tm -.0204 Tc .0004 Tw [(identify the message that needs t)9.4(o)-.4( be conveyed t)9.4(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.316 587.7799 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 575.7799 Tm -.02 Tc [(the emplo)7.3(y)6.3(ee or cust)9.8(omer that is r)9.3(elated t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 308.4183 575.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 563.7799 Tm -.02 Tc [(information security awar)9.3(eness tr)19.5(aining. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 314.4917 563.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 551.7799 Tm -.02 Tc [(emphasis should be t)9.8(o)0( check whether the selected)]TJ ET EMC /P <>BDC BT 9 0 0 9 338.0516 551.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 539.7799 Tm -.02 Tc [(message can be pr)9.3(esented with a choice ar)9.3(chitectur)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 348.2475 539.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 527.7799 Tm -.02 Tc [(that might r)9.3(esult in an intended beha)7.3(vior)19.5(al change.)]TJ ET EMC /P <>BDC BT 9 0 0 9 337.2128 527.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 144.8892 359.7799 Tm -.005 Tc [(Identify Beha)7.3(vior)14.6(al In)]TJ /TT21 1 Tf 9.3041 0 TD 0 Tc ()Tj /TT8 1 Tf .5868 0 TD -.005 Tc [(uences and Heuristics t)14.6(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 332.4913 359.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 347.7799 Tm -.02 Tc [(A)23.4(pply the Nudge)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.4855 347.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 144.8892 335.7799 Tm -.02 Tc [(The main task in this step is t)9.8(o)0( identify the)]TJ ET EMC /P <>BDC BT 9 0 0 9 305.1535 335.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 323.7798 Tm -.02 Tc [(bottlenecks that pr)9.3(e)6.3(v)6.3(ent an individual fr)9.8(om choosing)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.798 323.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 311.7798 Tm -.02 Tc [(the desir)9.3(ed beha)7.3(vior)19.5(al choice. In the context of)]TJ ET EMC /P <>BDC BT 9 0 0 9 322.3016 311.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 299.7798 Tm -.02 Tc [(information security awar)9.3(eness tr)19.5(aining, it could be a)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.7563 299.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 287.7798 Tm -.02 Tc [(lack of seriousness fr)9.8(om the par)-24.4(t of the emplo)7.3(y)6.3(e)0(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.4263 287.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 275.7798 Tm -.02 Tc [(r)9.3(egar)9.3(ding a par)-24.4(ticular security risk, or it could be a)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.9482 275.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 263.7798 Tm -.02 Tc [(shor)-24.4(tage of information r)9.3(egar)9.3(ding the damage that)]TJ ET EMC /P <>BDC BT 9 0 0 9 338.6846 263.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 251.7798 Tm -.02 Tc [(can be caused due t)9.8(o)0( the occurr)9.3(ence of a security)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.4175 251.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 239.7798 Tm -.02 Tc [(br)9.3(each. Once the bottlenecks ar)9.3(e identi)]TJ /TT11 1 Tf 16.5038 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ed, then)Tj ET EMC /P <>BDC BT 9 0 0 9 328.2563 239.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 227.7798 Tm -.02 Tc (nudges can be chosen. When designing a nudge)Tj ET EMC /P <>BDC BT 9 0 0 9 329.2353 227.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 215.7798 Tm -.02 Tc [(poster)60.1(, the possible beha)7.3(vior)19.5(al in)]TJ /TT11 1 Tf 13.8098 0 TD 0 Tc ()Tj /TT2 1 Tf .5479 0 TD -.02 Tc (uences that can be)Tj ET EMC /P <>BDC BT 9 0 0 9 346.4901 215.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 203.7798 Tm -.02 Tc [(e)6.3(v)7.3(aluated ar)9.3(e loss a)7.3(v)6.3(ersion, con)]TJ /TT11 1 Tf 13.5051 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (rmation bias and)Tj ET EMC /P <>BDC BT 9 0 0 9 335.5733 203.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 191.7798 Tm -.02 Tc [(information o)7.3(v)6.3(erload. )19.5(The following heuristics ma)7.3(y be)]TJ ET EMC /P <>BDC BT 9 0 0 9 349.4828 191.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 179.7799 Tm -.02 Tc [(applied while de)6.3(v)6.3(eloping a nudge: r)9.3(epr)9.3(esentativ)6.3(eness,)]TJ ET EMC /P <>BDC BT 9 0 0 9 349.5663 179.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 167.7799 Tm -.02 Tc [(anchoring and adjustment, and social pr)9.8(oof. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 329.003 167.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 155.7799 Tm -.02 Tc [(r)9.3(epr)9.3(esentativ)6.3(eness heuristic denotes the use of)]TJ ET EMC /P <>BDC BT 9 0 0 9 325.4742 155.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 143.7799 Tm -.02 Tc [(similar attributes t)9.8(o)0( judge the lik)9.8(elihood of an e)6.3(v)6.3(ent)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.1162 143.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 131.7799 Tm -.02 Tc (occurring. Anchoring and adjustment heuristics use)Tj ET EMC /P <>BDC BT 9 0 0 9 341.6511 131.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 119.7799 Tm -.02 Tc [(an appr)9.8(oach of )]TJ /TT11 1 Tf 6.639 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(xing an anchor or r)9.3(e)0(f)11.7(e)0(r)9.3(ence t)9.8(o)0( mak)9.8(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.6216 119.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 107.7799 Tm -.02 Tc [(an estimate b)5.4(y)0( applying suitable adjustments. In)]TJ ET EMC /P <>BDC BT 9 0 0 9 328.6692 107.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 95.7799 Tm -.02 Tc [(social pr)9.8(oof heuristics, an individual looks at the)]TJ ET EMC /P <>BDC BT 9 0 0 9 327.3339 95.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 83.7799 Tm -.02 Tc [(beha)7.3(vior of their peers and tries t)9.8(o)0( adapt their)]TJ ET EMC /P <>BDC BT 9 0 0 9 318.074 83.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.8892 71.7799 Tm -.02 Tc [(beha)7.3(vior)19.5(al pattern t)9.8(o)0( conform t)9.8(o)0( the social norms.)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.7449 71.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 363.3892 671.7799 Tm -.005 Tc (Select a Nudge)Tj ET EMC /P <>BDC BT 9 0 0 9 423.6061 671.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 363.3892 659.7799 Tm -.005 Tc [(Selecting the right nudge is v)6.3(e)0(r)-8.8(y)0( impor)-24.4(tant. When)]TJ ET EMC /P <>BDC BT 9 0 0 9 556.935 659.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 647.7799 Tm -.005 Tc (selecting a nudge for designing an information)Tj ET EMC /P <>BDC BT 9 0 0 9 547.1208 647.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 635.7799 Tm -.005 Tc [(security awar)9.3(eness poster)60.1(, consider using)]TJ ET EMC /P <>BDC BT 9 0 0 9 528.3921 635.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 623.7799 Tm -.005 Tc [(encour)19.5(aging or discour)19.5(aging nudges. A nudge)]TJ ET EMC /P <>BDC BT 9 0 0 9 544.5663 623.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 611.7799 Tm -.005 Tc [(message can be cr)9.3(eated with anchoring and social)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.4224 611.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 599.7799 Tm -.005 Tc [(pr)9.8(oof heuristics, which can be encour)19.5(aging or)]TJ ET EMC /P <>BDC BT 9 0 0 9 542.6218 599.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 587.7799 Tm -.005 Tc [(discour)19.5(aging in natur)9.3(e.)]TJ ET EMC /P <>BDC BT 9 0 0 9 453.5412 587.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 363.3892 563.7799 Tm -.005 Tc [(Cr)9.3(eate the Nudge-Based P)6.3(oster)]TJ ET EMC /P <>BDC BT 9 0 0 9 489.012 563.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 363.3892 551.7799 Tm -.005 Tc (Once the nudge dimension has been )Tj /TT11 1 Tf 16.2006 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(naliz)7.8(ed and)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.2672 551.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 539.7799 Tm -.005 Tc [(the nudge message is selected, the next step is t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.7816 539.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 527.7799 Tm -.005 Tc [(cr)9.3(eate the poster)60.1(. )19.5(The nudge poster ma)7.3(y be slightly)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.5399 527.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 515.7799 Tm -.005 Tc [(diff)11.7(er)9.3(ent fr)9.8(om a conv)6.3(entional poster design)]TJ ET EMC /P <>BDC BT 9 0 0 9 533.8085 515.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 503.7799 Tm -.005 Tc [(because it is expected t)9.8(o)0( elicit a cer)-24.4(tain beha)7.3(vior)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.1093 503.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 491.7799 Tm -.005 Tc [(fr)9.8(om the emplo)7.3(y)6.3(ee.)]TJ ET EMC /P <>BDC BT 9 0 0 9 439.8662 491.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 363.3892 467.7799 Tm -.005 Tc [(E)12.7(v)7.3(aluate E)8.8(f)0(f)11.7(ectiv)6.3(eness of the Nudge-Based P)6.3(oster)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.1632 467.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 363.3892 455.7799 Tm -.005 Tc (After)Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 382.9133 455.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 385.1095 455.7799 Tm -.005 Tc [(r)9.8(olling out a nudge-based information security)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.468 455.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 443.7799 Tm -.005 Tc [(awar)9.3(eness poster)60.1(, it is impor)-24.4(tant t)9.8(o)0( e)6.3(v)7.3(aluate its)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.4907 443.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 431.7799 Tm -.005 Tc [(eff)11.7(ectiv)6.3(eness b)5.4(y)0( conducting an outcome e)6.3(v)7.3(aluation)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.4404 431.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 419.7799 Tm -.005 Tc [(ex)9.8(er)9.3(cise using metrics r)9.3(elated t)9.8(o)0( the beha)7.3(vior goal)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.6747 419.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 407.7799 Tm -.005 Tc (of the nudge. It should be noted that just the)Tj ET EMC /P <>BDC BT 9 0 0 9 537.611 407.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 395.7799 Tm -.005 Tc [(cr)9.3(eation of a nudge-based poster might not r)9.3(esult in)]TJ ET EMC /P <>BDC BT 9 0 0 9 567.5579 395.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 383.7799 Tm -.005 Tc [(impr)9.8(o)7.3(ving o)7.3(v)6.3(er)19.5(all information security compliance.)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.8536 383.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 371.7799 Tm -.005 Tc [(Nudge-based posters ma)7.3(y fail t)9.8(o)0( achie)6.3(v)6.3(e)0( the)]TJ ET EMC /P <>BDC BT 9 0 0 9 538.7656 371.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 359.7799 Tm -.005 Tc [(desir)9.3(ed objectiv)6.3(es due t)9.8(o)0( se)6.3(v)6.3(e)0(r)19.5(al r)9.3(easons. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.262 359.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 347.7799 Tm -.005 Tc [(primar)-8.8(y r)9.3(eason for a nudge failur)9.3(e can be link)9.8(ed t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.0814 347.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 335.7799 Tm -.005 Tc [(the err)9.8(or in identifying the beha)7.3(vior in)]TJ /TT11 1 Tf 16.2414 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc (uences of the)Tj ET EMC /P <>BDC BT 9 0 0 9 568.2371 335.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 323.7798 Tm -.005 Tc [(tar)9.3(get emplo)7.3(y)6.3(ee. Another r)9.3(eason for nudge failur)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.418 323.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 311.7798 Tm -.005 Tc [(ma)7.3(y be the err)9.8(or in applying the r)9.3(ele)6.3(v)7.3(ant heuristics)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.4847 311.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 299.7798 Tm -.005 Tc [(while de)6.3(v)6.3(eloping a nudge. If it is found that the)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.7793 299.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 287.7798 Tm -.005 Tc [(nudge-based poster has not achie)6.3(v)6.3(ed its desir)9.3(ed)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.3268 287.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 275.7798 Tm -.005 Tc [(eff)11.7(ect, the designers of the poster should go back t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 568.7918 275.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 263.7798 Tm -.005 Tc [(the dr)19.5(awing boar)9.3(d and star)-24.4(t tweaking the poster b)5.4(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.794 263.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 251.7798 Tm -.005 Tc [(r)9.3(epeating the steps in the nudge cr)9.3(eation pr)9.8(ocess)]TJ ET EMC /P <>BDC BT 9 0 0 9 558.1611 251.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT11 1 Tf 9 0 0 9 363.3892 239.7798 Tm ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc [(owchar)-24.4(t. F)10.2(eedback should also be collected fr)9.8(om)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.6533 239.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 227.7798 Tm -.005 Tc [(emplo)7.3(y)6.3(ees about the nudge message, checking if)]TJ ET EMC /P <>BDC BT 9 0 0 9 558.1204 227.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 215.7798 Tm -.005 Tc [(emplo)7.3(y)6.3(ees could connect themselv)6.3(es with the)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.5551 215.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 203.7798 Tm -.005 Tc (nudge heuristics applied in the design phase.)Tj ET EMC /P <>BDC BT 9 0 0 9 540.9695 203.7798 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 363.3892 177.7799 Tm .38 .5 0 0 k -.005 Tc [(Example of De)6.3(v)6.3(eloping a Security)]TJ ET EMC /P <>BDC BT 11 0 0 11 526.8178 177.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 363.3892 163.7799 Tm -.005 Tc [(A)16.1(war)9.3(eness P)6.3(oster With Nudges)]TJ ET EMC /P <>BDC BT 11 0 0 11 517.5311 163.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 363.3892 145.7799 Tm 0 0 0 1 k -.005 Tc [(T)48.3(o)0( initiate the conv)6.3(ersion pr)9.8(ocess using the)]TJ ET EMC /P <>BDC BT 9 0 0 9 534.7875 145.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT11 1 Tf 9 0 0 9 363.3892 133.7799 Tm ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc [(owchar)-24.4(t in )]TJ ET EMC /P <>BDC BT /TT18 1 Tf 9 0 0 9 412.2307 133.7799 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 1)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 443.0336 133.7799 Tm (, a non-nudge poster that was)Tj ET EMC /P <>BDC BT 9 0 0 9 559.5068 133.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 121.7799 Tm -.005 Tc [(intended t)9.8(o)0( cr)9.3(eate awar)9.3(eness about passwor)9.3(d)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.8056 121.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 109.7799 Tm -.005 Tc [(saf)11.7(ety was selected. )19.5(The beha)7.3(vior in)]TJ /TT11 1 Tf 15.8845 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc (uence that)Tj ET EMC /P <>BDC BT 9 0 0 9 553.1008 109.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 97.7799 Tm -.005 Tc [(ma)7.3(y be consider)9.3(ed is loss a)7.3(v)6.3(ersion, which is the)]TJ ET EMC /P <>BDC BT 9 0 0 9 552.2516 97.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 85.7799 Tm -.005 Tc [(tendency of people t)9.8(o)0( be mor)9.3(e attuned t)9.8(owar)9.3(d)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.4486 85.7799 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 363.3892 73.7799 Tm -.005 Tc [(losses than gains. While de)6.3(v)6.3(eloping the nudge, the)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.0229 73.7799 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC 0 .73 .03 .11 k /GS1 gs 144 376.645 197.892 140.432 re f EMC /Artifact <>BDC BT /TT15 1 Tf 47 0 0 47 155.0735 475.4655 Tm 0 .36 0 0 k ()Tj /TT2 1 Tf 14 0 0 14 168.9807 495.4657 Tm 0 0 0 0 k [( WHEN SELEC)14.2(TING A )]TJ -.9934 -1.2857 TD (NUDGE FOR DESIGNING AN )Tj T* [(INFORM)-8.8(A)63(TION SECURI)14.2(T)-7.8(Y)0( )]TJ T* [(A)33.7(W)21(ARENESS POSTER, )]TJ T* (CONSIDER USING )Tj T* [(ENCOURA)5.4(GING OR )]TJ T* [(DISCOURA)5.4(GING NUDGES. )]TJ /TT15 1 Tf 47 0 0 47 319.3752 367.4655 Tm 0 .36 0 0 k ()Tj ET EMC Q endstream endobj 144 0 obj <>/ExtGState<>>> endobj 163 0 obj <> endobj 168 0 obj <>stream /Artifact <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA JOURN)-8.8(AL)]TJ ET /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm 0 .73 .03 .11 k [( V)6.3(OL 1)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /Artifact <>BDC /GS1 gs BT 7 0 0 7 587.3827 23.0228 Tm 0 .73 .03 .11 k (5)Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 36.7308 675.5094 Tm 0 0 0 1 k -.005 Tc [(heuristic of anchoring and adjustment ma)7.3(y be used,)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.8005 675.5094 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 663.5094 Tm -.005 Tc [(which highlights a par)-24.4(ticular v)7.3(alue t)9.8(o)0( in)]TJ /TT11 1 Tf 17.0514 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc (uence a)Tj ET EMC /P <>BDC BT 9 0 0 9 226.2425 663.5094 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 651.5094 Tm -.005 Tc [(beha)7.3(vior)19.5(al change. Accor)9.3(dingly)52.2(, two nudges, one)]TJ ET EMC /P <>BDC BT 9 0 0 9 228.0332 651.5094 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 639.5094 Tm -.005 Tc [(with an encour)19.5(aging nudge dimension and one with)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.6995 639.5094 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 627.5094 Tm -.005 Tc [(a discour)19.5(aging nudge dimension, wer)9.3(e de)6.3(v)6.3(eloped.)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.4605 627.5094 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 615.5094 Tm -.005 Tc (The message in the )Tj /TT11 1 Tf 8.8464 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (rst poster \()Tj ET EMC /P <>BDC BT /TT18 1 Tf 9 0 0 9 164.4818 615.5094 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 2)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 5.4 0 0 5.4 195.2846 618.2094 Tm -.0083 Tc (16)Tj ET EMC /P <>BDC BT 9 0 0 9 201.2591 615.5094 Tm -.005 Tc (\) was)Tj ET EMC /P <>BDC BT 9 0 0 9 222.6906 615.5094 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 603.5094 Tm -.0052 Tc .0002 Tw [(designed t)5.7(o)-.2( dissuade employees fr)5.7(om using weak)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.1303 603.5094 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 591.5094 Tm -.005 Tc [(passwor)5.6(ds using an anchoring heuristic message)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.2467 591.5094 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 579.5094 Tm -.0051 Tc .0001 Tw [(fr)5.8(om a data br)5.5(each investigation r)5.5(epor)-14.8(t r)5.5(egar)5.5(ding)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.3277 579.5094 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 567.5093 Tm -.0051 Tc .0001 Tw [(loss cr)5.5(eated by weak and insecur)5.5(e passwor)5.5(ds. )11.7(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.31 567.5093 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 555.5095 Tm -.005 Tc (message in the second poster \()Tj ET EMC /P <>BDC BT /TT18 1 Tf 9 0 0 9 160.9331 555.5095 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 3)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 191.736 555.5095 Tm (\) was)Tj ET EMC /P <>BDC BT 9 0 0 9 213.1672 555.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 543.5095 Tm -.005 Tc [(cr)9.3(eated using an encour)19.5(aging nudge dimension)]TJ ET EMC /P <>BDC BT 9 0 0 9 223.8526 543.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 531.5095 Tm -.005 Tc [(with a social pr)9.8(oof heuristic in which peer beha)7.3(vior)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.171 531.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 519.5095 Tm -.005 Tc [(is used t)9.8(o)0( in)]TJ /TT11 1 Tf 5.2783 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc [(uence beha)7.3(vior)19.5(al change.)]TJ ET EMC /P <>BDC BT 9 0 0 9 189.7969 519.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 36.7308 493.5095 Tm .38 .5 0 0 k -.005 Tc (Conclusion)Tj ET EMC /P <>BDC BT 11 0 0 11 91.5194 493.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 36.7308 475.5095 Tm 0 0 0 1 k -.005 Tc [(The impor)-24.4(tance of information security awar)9.3(eness)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.1312 475.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 463.5095 Tm -.005 Tc [(has incr)9.3(eased only in curr)9.3(ent times. E)12.7(v)6.3(er)-8.8(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 199.9616 463.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 451.5095 Tm -.005 Tc [(or)9.3(ganization should come up with new and)]TJ ET EMC /P <>BDC BT 9 0 0 9 205.8084 451.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 439.5095 Tm -.005 Tc [(inno)7.3(v)7.3(ativ)6.3(e mechanisms t)9.8(o)0( ensur)9.3(e that their)]TJ ET EMC /P <>BDC BT 9 0 0 9 206.7645 439.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 427.5095 Tm -.005 Tc [(diff)11.7(er)9.3(ent stak)9.8(eholders ar)9.3(e pr)9.8(o)7.3(vided with the best)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.2928 427.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 415.5095 Tm -.005 Tc [(possible security awar)9.3(eness tr)19.5(aining. Or)9.3(ganizations)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.6921 415.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 403.5095 Tm -.005 Tc [(should aim t)9.8(o)0( achie)6.3(v)6.3(e)0( a Security A)16.1(war)9.3(eness)]TJ ET EMC /P <>BDC BT 9 0 0 9 209.8758 403.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 391.5095 Tm -.005 Tc [(Maturity Model of le)6.3(v)6.3(el thr)9.3(ee or abo)7.3(v)6.3(e)0( as de)]TJ /TT11 1 Tf 19.1541 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ned b)5.4(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.0832 391.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 379.5095 Tm -.005 Tc [(the SANS Institute, and security awar)9.3(eness)]TJ ET EMC /P <>BDC BT 9 0 0 9 205.9118 379.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 367.5095 Tm -.005 Tc [(pr)9.8(ogr)19.5(ams that encour)19.5(age beha)7.3(vior)19.5(al changes)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.3074 367.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 355.5095 Tm -.005 Tc [(should be planned and deliv)6.3(er)9.3(ed b)5.4(y)0( or)9.3(ganizations.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 233.6297 358.2094 Tm -.0083 Tc (17)Tj ET EMC /P <>BDC BT 9 0 0 9 239.6042 355.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 343.5095 Tm -.005 Tc [(Nudge theor)-8.8(y)52.2(,)0( which has been tried and tested in)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.9925 343.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 331.5095 Tm -.005 Tc [(many diff)11.7(er)9.3(ent go)7.3(v)6.3(ernments, enterprises and other)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.2445 331.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 319.5095 Tm -.005 Tc [(domains, ma)7.3(y be consider)9.3(ed for impr)9.8(o)7.3(ving security)]TJ ET EMC /P <>BDC BT 9 0 0 9 238.0375 319.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 307.5095 Tm -.005 Tc [(awar)9.3(eness tr)19.5(aining. Bringing about beha)7.3(vior)19.5(al)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.5963 307.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 295.5095 Tm -.005 Tc [(changes using nudges t)9.8(o)0( alter choice ar)9.3(chitectur)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.1859 295.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.7308 283.5095 Tm -.005 Tc [(thr)9.8(ough subtle messages r)19.5(ather than b)5.4(y)0( enfor)9.3(cing)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.0859 283.5095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 555.9362 Tm -.005 Tc [(action is an option for many or)9.3(ganizations. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.6401 555.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 543.9362 Tm -.005 Tc [(pr)9.8(oposed )]TJ /TT11 1 Tf 4.4032 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc [(owchar)-24.4(t for the de)6.3(v)6.3(elopment of a )]TJ ET EMC /P <>BDC BT 9 0 0 9 433.3801 543.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 531.9362 Tm -.005 Tc [(nudge-based security poster is an effor)-24.4(t t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 422.5081 531.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 519.9362 Tm -.005 Tc [(intr)9.8(oduce new ideas in de)6.3(v)6.3(eloping information)]TJ ET EMC /P <>BDC BT 9 0 0 9 437.1354 519.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 507.9362 Tm -.005 Tc [(security awar)9.3(eness tr)19.5(aining materials. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 421.8455 507.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 495.9362 Tm -.005 Tc [(intr)9.8(oduction of new methods for de)6.3(v)6.3(eloping)]TJ ET EMC /P <>BDC BT 9 0 0 9 427.5144 495.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 483.9362 Tm -.005 Tc [(awar)9.3(eness posters can impr)9.8(o)7.3(v)6.3(e the eff)11.7(ectiv)6.3(eness)]TJ ET EMC /P <>BDC BT 9 0 0 9 450.8267 483.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 471.9362 Tm -.005 Tc [(of security awar)9.3(eness tr)19.5(aining pr)9.8(ogr)19.5(ams, which in)]TJ ET EMC /P <>BDC BT 9 0 0 9 450.4862 471.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 459.9362 Tm -.005 Tc [(turn helps or)9.3(ganizations attain a higher le)6.3(v)6.3(el of)]TJ ET EMC /P <>BDC BT 9 0 0 9 439.6273 459.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 447.9362 Tm -.005 Tc [(information security pr)9.3(epar)9.3(edness. )]TJ ET EMC /P <>BDC BT 9 0 0 9 395.2219 447.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 255.2309 421.9362 Tm .38 .5 0 0 k -.005 Tc (Acknowledgment)Tj ET EMC /P <>BDC BT 11 0 0 11 340.6242 421.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 255.2309 403.9362 Tm 0 0 0 1 k -.005 Tc [(The infr)19.5(astructur)19.5(al suppor)-24.4(t pr)9.8(o)7.3(vided b)5.4(y)0( FORE)]TJ ET EMC /P <>BDC BT 9 0 0 9 432.3288 403.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 391.9362 Tm -.005 Tc (School of Management \(New Delhi, India\) is)Tj ET EMC /P <>BDC BT 9 0 0 9 427.7253 391.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.2309 379.9362 Tm -.005 Tc [(gr)19.5(atefully appr)9.3(eciated.)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.3261 379.9362 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 255.2309 353.9362 Tm .38 .5 0 0 k -.005 Tc (Endnotes)Tj ET EMC /P <>BDC BT 11 0 0 11 301.0362 353.9362 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 272.5943 335.9362 Tm 0 0 0 1 k -.005 Tc [(Opacki, J.; Building a Security Cultur)9.3(e: Why)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.0379 335.9362 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 260.2308 335.9362 Tm 0 .36 0 0 k (1)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 272.2308 323.9362 Tm 0 0 0 1 k -.005 Tc [(Security A)16.1(war)9.3(eness Does Not W)15.1(ork and What)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 451.327 323.9362 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.2308 311.9362 Tm -.005 Tc [(t)9.8(o)0( Do Instead,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 331.1801 311.9362 Tm [(ISA)5.4(CA)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 355.7535 314.9063 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 359.8535 311.9362 Tm -.005 Tc ( Journal)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 391.2529 311.9362 Tm [(, v)7.3(ol. 5, 2017,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 441.8095 311.9362 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 272.2308 299.9362 Tm -.005 Tc [(https:/)109.4(/www)60.5(.isaca.or)9.3(g/ar)9.3(chiv)6.3(es)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 393.6207 299.9362 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC Q .10588 .75294 .1098 0 k /GS1 gs 36.015 252.852 205.159 16.609 re f BT /F2 1 Tf 9.8 0 0 10 55.2759 258.802 Tm 0 0 0 0 k -.0141 Tc .0004 Tw [(Figur)10.8(e).9( )-21(2Example of Nudge-Based Poster 1)]TJ ET q 1 i 36 269.461 205.178 -194.512 re W n .095 .125 0 0 k 36.215 89.577 204.963 163.087 re f Q 0 0 0 0 K 0 J 0 j 1.384 w 10 M [] 0 d 1 i q 1 0 0 1 36.371 252.852 cm 0 0 m 204.592 0 l S Q BT /F3 1 Tf 6 0 0 6 38.8955 82.5747 Tm 0 0 0 1 k .0002 Tc .0001 Tw [(Image sour)8.8(ce: Secure Data - Cyber Security - by perspec_phot)12.5(o).2(88 is )]TJ 0 -1 TD [(licensed under CC B)29.8(Y)25.3(-SA 2.0)]TJ ET q 73.016 249.199 132.509 -152.754 re W n q 132.51 0 0 152.754 73.016 96.445 cm /Im6 Do Q Q BT /F2 1 Tf 9 0 0 9 93.5938 235.5623 Tm 0 Tc 0 Tw [(According t)14.8(o).5( )]TJ .10588 .75294 .1098 0 k 5.3398 0 TD (Data Breach)Tj -4.673 -1 TD .0001 Tc -.0001 Tw [(Investigations Repor)-24.2(t)]TJ 0 0 0 1 k 8.5986 0 TD 0 Tc 0 Tw (,)Tj 0 0 0 0 k -11.1714 -1 TD -.0001 Tc .0001 Tw (34,075 security incidents)Tj 0 0 0 1 k 10.1411 0 TD 0 Tc 0 Tw ( were due)Tj -8.8231 -1 TD [(t)14.7(o).5( weak or st)14.8(olen passwords)]TJ .7693 -10.3238 TD [(Do you want t)14.9(o).7( be on the)]TJ .10588 .75294 .1098 0 k -.041 -1 TD -.0001 Tc .0001 Tw [(weaker side or str)17.5(o).4(nger?)]TJ ET EMC /Artifact <>BDC 253.813 252.852 205.159 16.609 re f BT 9.8 0 0 10 273.0735 258.802 Tm 0 0 0 0 k -.0141 Tc .0004 Tw [(Figur)10.9(e).9( )-21(3Example of Nudge-Based Poster 2)]TJ ET q 253.798 269.461 205.178 -194.512 re W n .095 .125 0 0 k 254.013 89.577 204.963 163.087 re f q 1 0 0 1 254.168 252.852 cm 0 0 m 204.592 0 l S Q Q BT /F3 1 Tf 6 0 0 6 256.6931 82.5747 Tm 0 0 0 1 k .0002 Tc .0001 Tw [(Image sour)8.7(ce: "Cyber Security - )20(T)55.9(a).9(blet" by perspec_phot)10.5(o).2(88 is licensed )]TJ T* [(under CC B)28.1(Y)25.3(-SA 2.0)]TJ ET q 164.475 0 0 146.657 273.039 97.067 cm /Im8 Do Q BT /F2 1 Tf 10 0 0 10 311.6185 227.3362 Tm .10588 .75294 .1098 0 k 0 Tc 0 Tw (90% )Tj .38 .5 0 0 k 1.8809 0 TD (of )Tj 0 .36 0 0 k 1.0557 0 TD (our )Tj .38 .5 0 0 k 1.5518 0 TD (Associates)Tj 0 .36 0 0 k -4.3296 -1 TD [(ha)7.9(v)6.3(e).7( )]TJ .38 .5 0 0 k 2.1074 0 TD [(str)17.8(ong )]TJ 0 .36 0 0 k 2.7984 0 TD (pass****)Tj .10588 .75294 .1098 0 k -6.1762 -11.2215 TD (Hope )Tj .38 .5 0 0 k 2.3154 0 TD -.007 Tc [(yo)-6.4(u)-7.1( )]TJ .10588 .75294 .1098 0 k 1.6592 0 TD 0 Tc [(ar)9.3(e )]TJ .38 .5 0 0 k 1.502 0 TD (not )Tj .10588 .75294 .1098 0 k 1.5273 0 TD (in the 10%)Tj ET EMC /Artifact <>BDC q 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 .73 .03 .11 k 253.403 576.927 349.597 105.332 re f EMC /Artifact <>BDC BT /TT15 1 Tf 47 0 0 47 264.3676 641.8685 Tm 0 .36 0 0 k ()Tj /TT2 1 Tf 14 0 0 14 278.2748 661.8688 Tm 0 0 0 0 k [( BRINGING ABOUT)19.5( BEH)-8.8(A)42.5(VIORAL CH)-8.8(ANGES )]TJ -.9934 -1.2857 TD [(USING NUDGES )19.5(T)13.7(O)0( AL)134.3(TER CHOICE )]TJ T* [(ARCHI)14.2(TEC)14.2(TURE )19.5(THROUGH SUB)13.2(TLE MESSA)5.4(GES )]TJ T* [(RA)63(THER )19.5(TH)-8.8(AN B)26.9(Y)0( ENFORCING A)5.4(C)14.2(TION IS AN )]TJ T* [(OPTION FOR M)-8.8(A)0(N)13.7(Y)0( ORGANIZ)-6.3(A)63(TIONS. )]TJ /TT15 1 Tf 47 0 0 47 505.2934 569.8685 Tm 0 .36 0 0 k ()Tj ET EMC Q endstream endobj 169 0 obj <>/XObject<>/ExtGState<>>> endobj 176 0 obj <> endobj 181 0 obj <> endobj 186 0 obj <> endobj 191 0 obj <> endobj 196 0 obj <> endobj 201 0 obj <> endobj 206 0 obj <> endobj 211 0 obj <> endobj 216 0 obj <> endobj 221 0 obj <> endobj 226 0 obj <> endobj 231 0 obj <> endobj 236 0 obj <> endobj 241 0 obj <> endobj 246 0 obj <> endobj 251 0 obj <> endobj 252 0 obj <>stream /Artifact <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA JOURN)-8.8(AL)]TJ ET /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm 0 .73 .03 .11 k [( V)6.3(OL 1)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /Artifact <>BDC /GS1 gs BT 7 0 0 7 12.8637 23.0548 Tm 0 .73 .03 .11 k (6)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 161.3636 643.5065 Tm 0 0 0 1 k -.005 Tc [(Quagliata, K.; Impact of Security A)16.1(war)9.3(eness)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 336.106 643.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 149 643.5065 Tm 0 .36 0 0 k (2)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 631.5065 Tm 0 0 0 1 k -.005 Tc [(T)36.6(r)19.5(aining Components on P)6.3(e)0(r)9.3(ceiv)6.3(ed Security)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 333.0298 631.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 619.5065 Tm -.005 Tc [(E)8.8(f)0(f)11.7(ectiv)6.3(eness,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 220.6085 619.5065 Tm [(ISA)5.4(CA Journal)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 276.5813 619.5065 Tm [(, v)7.3(ol. 4, 2011,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 327.1381 619.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 161 607.5065 Tm -.005 Tc [(https:/)109.4(/www)60.5(.isaca.or)9.3(g/ar)9.3(chiv)6.3(es)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 282.3898 607.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 161.3636 595.5065 Tm -.005 Tc [(E)8.3(u)0(r)9.8(opean Union Agency for Network and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 321.1851 595.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 149 595.5065 Tm 0 .36 0 0 k (3)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 583.5065 Tm 0 0 0 1 k -.005 Tc [(Information Security)52.2(, )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 244.693 583.5065 Tm [(Cyber Security Cultur)9.3(e in)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 339.3868 583.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 571.5065 Tm -.005 Tc [(Or)9.3(ganisations)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 214.9601 571.5065 Tm [(, Gr)9.3(eece, 2017,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 272.3636 571.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 161 559.5065 Tm -.005 Tc [(https:/)109.4(/enisa.eur)9.8(opa.eu/publications/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 305.6033 559.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 547.5065 Tm -.005 Tc [(cyber-security-cultur)9.3(e-in-or)9.3(ganisations)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 308.8707 547.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161.3636 535.5065 Tm -.005 Tc (Ibid)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 175.6724 535.5065 Tm 0 Tc (.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 177.9961 535.5065 Tm ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 149 535.5065 Tm 0 .36 0 0 k (4)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161.3636 523.5065 Tm 0 0 0 1 k -.005 Tc [(Thaler)60.1(, R.; C. Sunstein; )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 250.3049 523.5065 Tm [(Nudge: Impr)9.8(o)7.3(ving)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 318.808 523.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 149 523.5065 Tm 0 .36 0 0 k (5)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 161 511.5065 Tm 0 0 0 1 k -.005 Tc [(Decisions About Health, W)15.1(ealth and Happine)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 333.6219 511.5065 Tm (ss,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 344.5348 511.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 499.5065 Tm -.005 Tc [(P)6.3(enguin Gr)9.8(oup, USA, 2009)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 264.1455 499.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161.3636 487.5065 Tm -.005 Tc [(K)13.2(osters, M.; J. V)22.5(an der Heijden; F)12.7(r)9.8(o)0(m)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 309.4683 487.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 149 487.5065 Tm 0 .36 0 0 k (6)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 475.5065 Tm 0 0 0 1 k -.005 Tc [(Mechanism t)9.8(o)0( Vir)-24.4(tue: E)12.7(v)7.3(aluating Nudge)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 316.7654 475.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 463.5065 Tm -.005 Tc [(Theor)-8.8(y)52.2(,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 194.1958 463.5065 Tm [(E)12.7(v)7.3(aluation)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 234.391 463.5065 Tm [(, v)7.3(ol. 21, iss. 3, 7 July 2015,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 340.2714 463.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 451.5065 Tm -.005 Tc (p. 276291, )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 210.3293 451.5065 Tm [(https:/)109.4(/journals.sagepub.com/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 328.3319 451.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 439.5065 Tm -.005 Tc (doi/abs/10.1177/1356389015590218)Tj ET EMC /LBody <>BDC BT 9 0 0 9 308.1265 439.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 161.3636 427.5065 Tm -.005 Tc [(Sunstein, C.; R. )19.5(Thaler; Liber)-24.4(tarian P)5.4(aternalism)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 346.072 427.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 149 427.5065 Tm 0 .36 0 0 k (7)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 415.5065 Tm 0 0 0 1 k -.005 Tc [(Is Not an Oxymor)9.8(on,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 245.6213 415.5065 Tm [(The Univ)6.3(ersity of Chicago)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 344.4811 415.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 403.5065 Tm -.02 Tc [(Law Re)6.3(view)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 205.2813 403.5065 Tm [(, v)7.3(ol. 70, issue. 4, 2003, p. 11591202)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.5972 403.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161.3636 391.5065 Tm -.005 Tc (Mancino, L.; J. Guthrie; When Nudging in the)Tj ET EMC /LBody <>BDC BT 9 0 0 9 338.1265 391.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 149 391.5065 Tm 0 .36 0 0 k (8)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 379.5065 Tm 0 0 0 1 k -.005 Tc [(L)21.5(unch Line Might Be a Good )19.5(Thing,)83( United)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 327.8354 379.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 367.5065 Tm -.005 Tc [(States Depar)-24.4(tment of Agricultur)9.3(e \(USD)10.2(A\), )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 325.9238 367.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 355.5065 Tm -.005 Tc [(1 Mar)9.3(ch 2009, )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 219.4723 355.5065 Tm [(https:/)109.4(/www)60.5(.ers.usda.go)7.3(v/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 322.4191 355.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 343.5065 Tm -.005 Tc [(amber-wa)7.3(v)6.3(es/2009/mar)9.3(ch/when-nudging-in-the-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 161 331.5065 Tm (lunch-line-might-be-a-good-thing/)Tj ET EMC /LBody <>BDC BT 9 0 0 9 289.6904 331.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 161.3636 319.5065 Tm -.005 Tc [(L)64.9(y)52.2(, K.; N. Mazar; M. Zhao; D)49.8(.)0( Soman; A)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 309.3672 319.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 149 319.5065 Tm 0 .36 0 0 k (9)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 307.5064 Tm 0 0 0 1 k -.005 Tc [(Pr)19.5(actitioner)-7.8()54.7(s)0( Guide t)9.8(o)0( Nudging, Rotman School)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.7946 307.5064 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 295.5064 Tm -.005 Tc [(of Management W)15.1(orking P)5.4(aper No. 2609347,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.8271 295.5064 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 283.5064 Tm -.005 Tc [(23 Ma)7.3(y 2015, )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 216.1335 283.5064 Tm [(https:/)109.4(/doi.or)9.3(g/10.2139/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 310.3362 283.5064 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 271.5064 Tm -.005 Tc (ssrn.2609347)Tj ET EMC /LBody <>BDC BT 9 0 0 9 214.3855 271.5064 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 161.5272 259.5064 Tm -.005 Tc [(Rasul, I.; D)49.8(.)0( Hollywood; Can Nudges Help t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 334.0723 259.5064 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 144 259.5064 Tm 0 .36 0 0 k (10)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 247.5064 Tm 0 0 0 1 k -.005 Tc [(Cut Household Ener)9.3(gy Consumption?,)83( )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 314.6394 247.5064 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 161 235.5064 Tm -.005 Tc [(The Guar)9.3(dian)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 212.7727 235.5064 Tm [(, 27 Januar)-8.8(y 2012, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 286.7525 235.5064 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 161 223.5064 Tm -.02 Tc [(https:/)109.4(/www)60.5(.theguar)9.3(dian.com/sustainable-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 161 211.5064 Tm [(business/beha)7.3(viour-change-ener)9.3(gy-consumptio)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 339.4573 211.5064 Tm 0 Tc (n)Tj ET EMC /LBody <>BDC BT 9 0 0 9 344.2726 211.5064 Tm ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 380.0272 643.5065 Tm -.005 Tc [(Gerber)60.1(, A. S.; )19.5(T)106.4(.)0( Rogers; Descriptiv)6.3(e Social)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 546.0629 643.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 362.5 643.5065 Tm 0 .36 0 0 k (11)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 631.5065 Tm 0 0 0 1 k -.005 Tc [(Norms and Motiv)7.3(ation t)9.8(o)0( V)22.5(ote: E)12.7(v)6.3(er)-8.8(ybody)-7.3()54.7(s)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 548.893 631.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 619.5065 Tm -.005 Tc [(V)22.5(oting and So Should Y)31.7(ou,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 487.7269 619.5065 Tm (The Journal of)Tj ET EMC /LBody <>BDC BT 9 0 0 9 543.9316 619.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 607.5065 Tm -.005 Tc [(P)6.3(olitics)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 408.1968 607.5065 Tm (, 2009, )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 436.041 607.5065 Tm [(https:/)109.4(/ssrn.com/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 504.1299 607.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 595.5065 Tm -.005 Tc [(abstr)19.5(act=1837781)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 450.5562 595.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 380.0272 583.5065 Tm -.005 Tc [(Calv)7.3(o-Gonzalez, O)49.8(.; A. Cruz; M. Hernandez; )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 549.0402 583.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 362.5 583.5065 Tm 0 .36 0 0 k (12)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 571.5065 Tm 0 0 0 1 k -.005 Tc [(The Ongoing Impact of Nudging P)6.3(eople t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 551.7836 571.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 559.5065 Tm -.005 Tc [(P)5.4(a)7.3(y )19.5(Their )19.5(T)55.2(a)0(x)9.8(es,)83( W)15.1(orld Bank Blogs, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 521.4105 559.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 547.5065 Tm -.005 Tc (2 December 2018, )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 453.3545 547.5065 Tm [(https:/)109.4(/blogs.worldbank.or)9.3(g/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 564.3313 547.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 535.5065 Tm -.005 Tc [(v)7.3(oices/ongoing-impact-nudging-people-pa)7.3(y-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.5 523.5065 Tm [(their-tax)9.8(es)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 420.2172 523.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 380.0272 511.5065 Tm -.005 Tc (Acquisti, A.; I. Adjerid; R. Balebako; L.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 525.0701 511.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 362.5 511.5065 Tm 0 .36 0 0 k (13)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 499.5065 Tm 0 0 0 1 k -.005 Tc [(Br)19.5(andimar)-24.4(te; L. F)114.3(.)0( Cr)19.5(anor; S. K)13.2(omanduri; P)158.2(.)0( G.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 554.882 499.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 487.5065 Tm -.005 Tc [(Leon; N. Sadeh; F)114.3(.)0( Schaub; M. Sleeper; Y)103(.)0( W)16.1(ang;)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 564.2281 487.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 475.5065 Tm -.005 Tc [(S. Wilson; Nudges for Priv)7.3(acy and Security:)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 551.3771 475.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 463.5065 Tm -.005 Tc (Understanding and Assisting Users Choices)Tj ET EMC /LBody <>BDC BT 9 0 0 9 553.9633 463.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 451.5065 Tm -.005 Tc [(Online,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 410.8105 451.5065 Tm [(A)5.4(CM Computing Sur)-8.8(v)6.3(e)6.3(ys,)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 508.8781 451.5065 Tm [( v)7.3(ol. 50, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 540.9653 451.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 439.5065 Tm -.005 Tc (iss)Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 390.8304 439.5065 Tm (. )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 395.2888 439.5065 Tm (3, 2017, p. 141)Tj ET EMC /LBody <>BDC BT 9 0 0 9 458.5403 439.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 380.0272 427.5065 Tm -.005 Tc [(Mar)9.3(cus, A.; E. Rosenzweig \(E)9.3(ds.\); )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 512.5574 427.5065 Tm (Design, User)Tj ET EMC /LBody <>BDC BT 9 0 0 9 560.8409 427.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 362.5 427.5065 Tm 0 .36 0 0 k (14)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 379.5 415.5065 Tm 0 0 0 1 k -.005 Tc [(Experience, and Usability)52.2(, Inter)19.5(action Design)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 549.425 415.5065 Tm 0 Tc (,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 551.1467 415.5065 Tm ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 403.5065 Tm -.005 Tc [(Springer)60.1(, USA, 2020)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 456.8022 403.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 380.0272 391.5065 Tm -.005 Tc (Op cit )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 404.7874 391.5065 Tm -.0699 Tc (Ly)Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 413.2141 391.5065 Tm -.005 Tc ( et al)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 431.8759 391.5065 Tm 0 Tc (.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 434.1995 391.5065 Tm ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 362.5 391.5065 Tm 0 .36 0 0 k (15)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 380.0272 379.5065 Tm 0 0 0 1 k -.005 Tc [(V)21.5(eriz)7.8(on, )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 413.636 379.5065 Tm [(2017 Data Br)9.3(each Inv)6.3(estigations Repor)-24.4(t)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 567.2689 379.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 362.5 379.5065 Tm 0 .36 0 0 k (16)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 379.5 367.5065 Tm 0 0 0 1 k -.005 Tc (10)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 389.3065 370.4765 Tm -.0083 Tc (th)Tj ET EMC /LBody <>BDC BT 9 0 0 9 393.8651 367.5065 Tm -.005 Tc [( E)9.3(dition)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 422.7025 367.5065 Tm (, USA, 2017, )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 471.3629 367.5065 Tm [(https:/)109.4(/enterprise.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 540.8427 367.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 355.5065 Tm -.005 Tc [(v)6.3(eriz)7.8(on.com/r)9.3(esour)9.3(ces/r)9.3(epor)-24.4(ts/2017_dbir)60.1(.pdf )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 559.1337 355.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 380.0272 343.5065 Tm -.005 Tc [(Cassels, W)60.1(.; K. Alv)6.3(er)9.8(o; R. Pierson; )58.6(A)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 520.6787 343.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 362.5 343.5065 Tm 0 .36 0 0 k (17)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 331.5065 Tm 0 0 0 1 k -.005 Tc [(Heightened Sense of A)16.1(war)9.3(eness,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 513.9659 331.5065 Tm [(ISA)5.4(CA)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 538.5392 331.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 319.5065 Tm -.005 Tc (Journal)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 408.7383 319.5065 Tm [(, v)7.3(ol. 6, 2018, )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 461.4781 319.5065 Tm [(https:/)109.4(/www)60.5(.isaca.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 534.123 319.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 307.5064 Tm -.005 Tc [(or)9.3(g/ar)9.3(chiv)6.3(es)]TJ ET EMC Q endstream endobj 253 0 obj <>/ExtGState<>>> endobj 6 0 obj <> endobj 5 0 obj <> endobj 8 0 obj <>stream AdobedC         #"""#'''''''''' T" s!1AQa"q2B#R3b$r%C4Scs5D'6Tdt& EFVU(eufv7GWgw8HXhx)9IYiy*:JZjz?f͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf͛6lٳf endstream endobj 9 0 obj <>stream Adobed         #"""#''''''''''     !! !!''''''''''T""  s!1AQa"q2B#R3b$r%C4Scs5D'6Tdt& EFVU(eufv7GWgw8HXhx)9IYiy*:JZjzm!1AQa"q2#BRbr3$4CS%cs5DT &6E'dtU7()󄔤euFVfvGWgw8HXhx9IYiy*:JZjz?dlU;f&YyG6lD9%ٳfˮQ6;6lYfvlٳeeK'f͛6lYvlٱ6ȮI$;3dAg `shK^;Kf͂Jd=m8eYۯ|G'8qǼ~-Qwf͛0 %&"MO;fHAy,bv$GKcj_ jvlٰ=ÅLbqRYXТ˜iS?,vOӕqq.^I'ٳf!-1K0; c9j}1f͛ѤfS쎔\5Zzl ū4r{t 챕G0fV܀ =8>'q@F5'h6^Œ{>EcZӧLG A FN {T഑y1fNå}1.c *kZ# .|of+sw$ԅ5-8eڸ0$ɰc ٠GbF.bJwݲOX?=DD)=sE'RSnk%sĔ5u{IU F0M| ,j3?aLH̝WakP6': fwCPr^p  T4ǂ1M(v=0Sʤы-6y*:s,2D$]r2i!J-KP4҇l2Ñ"1J:pv?,j%@:h ^ ̦mry(<0NXtre&È+7= {-\& ( qȵZ{`tG`IPO6Z'QhA8!n>M;~ |XrtVb "W)J=-V1 +(2v=@J?IL? 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