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The default effect is the tendency for the vast majority of people to accept the default in an interaction. This occurs when avoiding the default is virtually effortless and increases with each step that is required to avoid the default. The default effect has significant implications for marketing, choice architecture, user experience, ethics and law.
Marketing & SalesThe default effect is commonly used to direct users towards a purchase or more expensive options. For example, a quote for a car may include a high margin package of options by default. This carries some risk as a smart customer will pretend that they don't notice the added options until the very end of negotiations. At the very last step, a customer can request the options be dropped because they never asked for them. The salesperson may have given a good discount thinking the customer hasn't objected to high margin default options.
Choice ArchitectureThe use of defaults is amongst the most powerful techniques of choice architecture. In some cases, processes such as a political voting process do not allow anything to be defaulted.User ExperienceCustomers want defaults as otherwise they are faced with a cumbersome configuration process before they begin using your products or services. Even if a small number of customer change the defaults, it is often worth providing the option. For example, experts and influential reviewers may be more likely to play with configuration. Configuration options can also reduce support costs and attract customers who have specialized needs.
Ethical & LegalPutting unreasonable things into your defaults can have ethical and legal implications. It may be questionable to have customers agree to legal agreements by default or purchase things with a default action. For example, a bank that interrupts a customers logon with a screen that requests they upgrade to a more expensive fee plan. There's a big button for accepting the new fees and a tiny text link for avoiding the offer. Many people will click the big button as they want the screen to go away quickly. The ethics of such a technique of forcing a purchase is questionable.
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