There is a paradox at the heart of the superannuation industry’s efforts to improve member engagement. Faced with the behavioural might of ‘hyperbolic discounting’—where individuals place little value in long-term plans—superannuation trustees have dedicated significant resources towards initiatives intended to promote member engagement. All the while, other industries have been utilising the powerful principles of behavioural design; from Instagram news feeds, notifications on smart phones, airline loyalty rewards programs, to addictive poker machines or that next Netflix episode which somehow automatically started even though it’s time for bed. If used responsibly and effectively, the same behavioural design thinking could empower...