I help companies design services and experiences that work with human nature, not against it.
Nick Naumof is an applied behavioral science thought leader and researcher. He studied people from different scientific perspectives — economics, consumer behavior, behavioral economics, and evolutionary psychology — and helps companies bridge design and psychology to create better experiences for customers and employees.
Originally from Romania, Nick lived in The Netherlands for five years and has been based in the Washington D.C. Metro area since 2015. He has been married to Cornelia since 2011.
With over ten years of experience designing and delivering public presentations and training programs, Nick has led workshops, masterclasses, and conference talks on four continents. His project experience spans financial product design, fast-moving consumer goods, health and wellness, and human resources.
Masterclasses include Designing Decisions (choice architecture), Thinking Money (financial services), Nudge Design, and Behavioral Design for Incentives and Rewards. In February 2017, he delivered a talk on behavioral design for incentives and rewards at Action Design Washington DC.
Nick is the author of It Makes (No) Sense, a book that explores how behavioral science applies to real-world scenarios. The book is part of a broader resource library available on the site, complementing the blog and learning programs.
Nick's approach integrates behavioral science into service design, creating experiences that align with how people actually think and decide. This work applies across industries — from finance and retail to health and employee engagement — always with the goal of designing services that respect human nature.
Understanding emotional drivers in professional settings is central to improving employee satisfaction and engagement. Nick's work on emotions at work connects emotional design principles with measurable service outcomes, offering strategies for leveraging emotions constructively in the workplace.
Why customer participation builds satisfaction
A flat-pack wardrobe can test anyone’s patience. Yet after an afternoon of sorting screws, tightening cam locks and coaxing a crooked door into place, many people value the finished product more than an equivalent item assembled for them. This response is known as the IKEA effect: people tend to place greater value on things they have helped create.
The same principle extends far beyond furniture. When customers contribute effort, choices or personal information to a service, they can develop stronger attachment and satisfaction. For organisations, the opportunity is to design participation that feels useful and manageable, rather than turning every interaction into unpaid work.
The psychology behind the IKEA effect
Customer involvement creates a sense of ownership. Even a modest contribution can make an outcome feel personally relevant, which increases perceived value and protects the customer’s sense of competence. The product becomes part of the person’s story, rather than something passively received.
This is related to the endowment effect, self-efficacy and identity-based motivation. People often defend or value an option more when it reflects their preferences or effort. Personalisation can therefore improve satisfaction, provided the customer can see a clear connection between their input and the final result.
The effect has limits. If the task is confusing, excessive or poorly supported, effort creates frustration instead of pride. A customer does not automatically value a service more simply because it required extra clicks, forms or phone calls.
Participation changes the service experience
In service design, participation can appear at several points in the journey. A customer might choose goals during a financial planning session, configure a meal delivery box, select accessibility preferences or help diagnose a technical problem. Each contribution can make the service feel more tailored.
The key is visible progress. Customers should understand what their input changes, what happens next and how close they are to a useful outcome. A progress indicator, preview, saved preference or immediate recommendation can turn effort into evidence that participation was worthwhile.
Employees benefit from the same logic. When frontline staff help shape a workflow, script or customer policy, they are more likely to feel ownership and use the system thoughtfully. Co-design can therefore improve both customer experience and employee experience.
Make the effort meaningful
Not all effort has equal psychological value. Asking someone to choose between relevant options can feel empowering; asking them to repeat information already held by the organisation feels wasteful. Meaningful participation should use knowledge the customer actually has and avoid forcing them to solve problems they reasonably expect the business to handle.
A useful rule is to match the task with the customer’s motivation. A fitness platform may invite users to set a personal target because the goal matters to them. A broadband provider should not require customers to run complex diagnostics before offering basic support.
The best experiences provide scaffolding. Examples, defaults, plain language and the ability to revise a decision reduce cognitive load. Customers can contribute without needing to become experts in the organisation’s processes.
Where businesses can apply it
Retailers can invite shoppers to configure products, save room layouts or select bundles that reflect how they live. Digital services can let people set priorities, personalise dashboards or build a plan in small steps. Education providers can involve learners in setting milestones and choosing practice formats.
Healthcare and public services require particular care. Participation may improve commitment to a treatment plan, but people experiencing stress, illness or limited digital access may not have spare capacity for elaborate choices. A human fallback and a sensible default are essential.
Trials and onboarding flows are another opportunity. A free trial should help users reach a meaningful first success, not simply hand them a list of features. Research on why free trials fail shows why activation depends on perceived progress, effort and timing rather than access alone.
What Australian customers expect
Australian customers are generally comfortable with self-service when it saves time, but they still expect a practical way to reach a person. Someone setting up a service in Parramatta, shopping at IKEA Rhodes or comparing energy plans in regional New South Wales may happily use an app until a payment, delivery or eligibility issue becomes complicated.
Local language and context matter. A sign that says “Have a go” can make participation feel approachable, while a process filled with corporate jargon can feel alienating. Service teams should also consider Australian Consumer Law, clear pricing in Australian dollars and the expectation that a “free” offer will not hide an awkward cancellation process.
The market is geographically dispersed, with customers across capital cities, suburbs, regional towns and remote communities. A co-design activity that works in inner-city Melbourne may fail for someone with limited connectivity in the Northern Territory. Testing should include different ages, locations, abilities and levels of digital confidence.
Measure satisfaction without guessing
The IKEA effect should be treated as a behavioural hypothesis, not a universal rule. Compare a participatory journey with a low-effort alternative and measure completion, satisfaction, perceived control, repeat use and referrals. It is also useful to ask whether customers understood what their contribution changed.
Look for signs of unhealthy friction. Abandonment at a form step, repeated help requests or a spike in complaints can indicate that participation has become a burden. Qualitative interviews can reveal whether customers felt proud, capable and involved—or simply trapped in a process.
Small experiments are often enough to begin. Test a guided setup against a blank form, or a recommended default against a large menu of choices. Segment results by customer capability so an average improvement does not conceal harm for people who need more support.
Practical ways to invite useful participation
Participation works best when it is purposeful, observable and optional where possible. The following practices help teams turn effort into ownership without shifting operational work onto customers:
- Ask for information that directly improves the outcome.
- Show how each meaningful choice changes the service or product.
- Use defaults, examples and progressive disclosure to reduce effort.
- Offer human assistance when a task becomes complex or sensitive.
- Let customers save, revisit and correct their contributions.
- Measure perceived control alongside completion and satisfaction.
Match the participation to the customer
| Service approach | Customer contribution | Likely benefit | Main risk |
|---|---|---|---|
| Guided configuration | Selects relevant options | Personal relevance and confidence | Too many choices |
| Co-design workshop | Shares needs and ideas | Better fit and stronger buy-in | Overrepresenting vocal participants |
| Personalised onboarding | Sets goals or preferences | Faster activation and commitment | Asking for information too early |
| Self-service support | Provides details or runs simple checks | Faster resolution | Blaming customers for system failures |
| Assisted participation | Decides with staff support | Inclusion and reassurance | Inconsistent support quality |
A well-designed participatory service makes customers feel capable, not conscripted. The aim is not to recreate the labour of assembling a flat-pack product; it is to give people a meaningful hand in an outcome they care about.
Nick Naumof helps organisations apply behavioural science to customer journeys, products and employee experiences. Discuss a project to explore research, service design, workshops or practical behavioural strategies for your organisation.
Nick's blog covers topics including pricing strategies, loss aversion, the peak-end rule, and customer experience design. Notable posts include How to sell a 5¢ product for 1$ (December 2015), How to Reduce the Pain of Payment for Customers (July 2016), The Future of Applied Behavioral Science Will NOT Be About Behavioral Science (July 2014), When Designing Experiences, Think About What Happens After the Interaction Ends (March 2018), and The Email that Plays an Important Role in Customer Experience Without It Being Opened (March 2018).
Nick's work has been featured on platforms including mycustomer.com and behavioraleconomics.com. His media appearances and conference talks showcase applied behavioral science in action, reinforcing his role as a trusted voice in the field.