I was working on a fintech project (gonna be vague as it's not yet released).
The legal team told us we couldn't use default choices anywhere, as it could count as giving financial advice. Fair enough. So we designed the onboarding, and there was this choice the user had to make before we could create their account.
During testing, we found people were getting really stuck on this choice, to the point of giving up. The choice actually had quite low impact, but it was really technical - a lot of people just didn't understand it. Which makes sense our users weren't financial experts, which was our target user. This choice was a new concept for the market, so we couldn't relate it to other products they might know. The options inside also had quite a lot of detail when you started digging into them, detail we had to provide if somebody went looking for it. Our testers would hit this choice, get stuck, feel the urge to research this decision, get overwhelmed, give up.
We spent so long trying to reframe this choice, explaining it better in a nice succinct way, we even tried to get this feature removed entirely - but nothing stuck.
Eventually after lots of discussion with legal we were allowed to have a 'base' choice, which the user could optionally change. We tested the new design, and it made a significant difference in conversion rates.
Huzzar for nudge theory! Right? Well, maybe. I think it's a bit more complicated.
- The new design was faster. There was less screens with simpler choices. It went from a 'pick one of 5' to a 'heres the default, would you like to change it?'. Was it just the speed that made a difference?
- The user was not a financial expert, and the company behind the product was. In some sense was the user just thinking 'these guys probably know more than me I'll leave it at that'. Imagine trying to implement this exact change on something the user is an expert in - say like your meal choice in an airplane. I imagine most people would think "How rude choosing for me! I'm an expert in what I feel like eating I want to see all the options".
- It had less of a cognitive load. Like the whole onboarding flow was already really complicated, just reducing the overall mental strain to make an account may have just improved the whole experience. E.g. if we had removed decisions earlier in the flow, would this one still have been as big of an issue? We never had time to test it, so I can't say for sure.
- Lack of confusion == confidence. For the users who didn't look at the options and took the default, did they just feel more in control and confident because they weren't exposed with unfamiliar terms and choices? They never experienced the urge to research.
Like at the surface level this new design worked great, so job done. But it's hard to say definitively it was because of nudge theory. I don't think you can really blindly say "oh yeah defaults == always good" and slap them on every problem - which is why the design-test-iterate loop is so important.