Dan Ariely is the author of Predictably Irrational: The Hidden Forces That Shape our Decisions. Jaime Puebla / The National
Dan Ariely is the author of Predictably Irrational: The Hidden Forces That Shape our Decisions. Jaime Puebla / The National

To unlock fairness is to appreciate the job



Why would a locksmith who charges less, makes fewer mistakes and is more efficient at his job receive more complaints now than when he first started out? Here, the behavioural economist and Duke University professor, Dan Ariely, the author of Predictably Irrational: The Hidden Forces That Shape our Decisions, explains.

How do consumers decide if a price is acceptable or not?

There is this idea that it's just cost-benefit analysis, what am I getting, what am I giving? But that's not the real case. The real case is what people perceive as fair or not fair. Many years ago [Coca-Cola] started charging more for Coke in the summer than in the winter. From a pure cost benefit analysis it is a great idea. You get more value out of cold Coke when it is hotter. But the consumer hated it. It offends our sense of fairness.

So when do we feel OK paying more?

When we see people working harder. There was a locksmith who I met not too long ago and he told me that when he was starting out as a locksmith he was terrible. He would take forever and break people's locks. He would have to replace the lock and charge for it, charge for his time. People paid him and gave him a tip. Now he's really good. He charges less because he doesn't break the lock. But nobody tips him and everybody argues with him about the price.

So are you saying people have become more mean?

No, he used to take 45 minutes and people saw him sweating, so they felt OK paying him. Now it takes two minutes and they say how can I pay you US$100 [Dh367] for two minutes? In reality he's providing higher quality service, not less.

What should companies keep in mind when considering what to charge?

It is not just about the price and the benefit - a lot of it has to do with what is fair. In the digital age where things are moving online and people have no perception of effort and they think that on the effort everything is free, it is going to become more and more difficult to convince people that it is fair to charge more.

Like some newspapers in the UK and US, that have been subject to a backlash by readers who now have to pay to see stories online?

Of course, and part of the story is that newspapers don't help people understand how much effort goes into newspapers, in the same way that banks don't describe for people how much effort goes into [banking] … People don't understand the cost of technology. But this is creating a huge problem. Prices go to zero and people get convinced that you can run this business by paying zero and if you ever have to raise your price you will have to fight that notion of fairness.

* Gillian Duncan

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Men's football draw

Group A: UAE, Spain, South Africa, Jamaica

Group B: Bangladesh, Serbia, Korea

Group C: Bharat, Denmark, Kenya, USA

Group D: Oman, Austria, Rwanda

The National's picks

4.35pm: Tilal Al Khalediah
5.10pm: Continous
5.45pm: Raging Torrent
6.20pm: West Acre
7pm: Flood Zone
7.40pm: Straight No Chaser
8.15pm: Romantic Warrior
8.50pm: Calandogan
9.30pm: Forever Young

While you're here
Dust and sand storms compared

Sand storm

  • Particle size: Larger, heavier sand grains
  • Visibility: Often dramatic with thick "walls" of sand
  • Duration: Short-lived, typically localised
  • Travel distance: Limited 
  • Source: Open desert areas with strong winds

Dust storm

  • Particle size: Much finer, lightweight particles
  • Visibility: Hazy skies but less intense
  • Duration: Can linger for days
  • Travel distance: Long-range, up to thousands of kilometres
  • Source: Can be carried from distant regions

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

 

 

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UPI facts

More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions

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  • Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
  • Premier League-standard football pitch
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Director: Louis Theroux

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Rating: 5/5