This study examined whether a spatially close (vs distant) presentation of mixed positive and negative self-tracking outcomes from multiple domains (ie, activity, diet) on a digital device’s screen can provide users the opportunity to hedonically edit their self-tracking outcome profile (ie, to view their mixed self-tracking outcomes in the most positive light). For these techniques to be effective, it is relevant to understand how the visual presentation of goal-related outcomes employed in the app design affects users’ responses to their self-tracking outcomes. Goal setting is among the most common behavioral change techniques employed in contemporary self-tracking apps. Thus, paying attention to these personal biases then may help policy maker to control saving, spending, and investment rates in Indonesia. The research concludes that personal bias factors such as the hedonic editing effect, future spending, category budgeting, endowment effect, and house-money effects are important factors in individual financial planning. The main findings of the research show that there is a positive feedback loop on individual financial planning which is influenced by personal biases. The research uses vignette a fractional factorial studies method to calculate the score of personal bias factors. This research introduces the idea to combine personal biases stated in behavioral economic theory with individual financial decision models using a system dynamics approach. It will be an important issue due to individual financial decisions which accumulate as a whole country's economic performance. Even in making individual financial decisions, humans will naturally still be affected by personal biases which leads to less than optimal, illogical, and irrational decisions.
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