Contact Nick Naumof

I help companies design services and experiences that work with human nature, not against it.

A large multi-story building under construction at dusk or night, with several tall cranes, scaffolding, and concrete pillars silhouetted against a deep blue twilight sky, conveying steady progress and thoughtful structure.
About Nick Naumof

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.

Speaking and Training

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.

Book: It Makes (No) Sense

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.

Learn more about the book →

Behavioral Service Design

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.

Explore behavioral service design →

Emotions at Work

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.

Read about emotions at work →

Loss-framed messages that strengthen employee engagement

Employee engagement is often treated as a communications problem. People may understand the organisation’s priorities yet miss deadlines, avoid reporting risks or leave meetings without a clear next step. A well-framed message can close that intention-to-action gap.

Loss-framed messages explain what may be lost if a behaviour does not happen. Compared with messages centred on a possible gain, they can create greater urgency around risk, effort and missed opportunities, especially when inaction carries a visible cost.

The approach works best when the loss is real, relevant and within employees’ control. It becomes harmful when fear replaces clarity or leaders exploit insecurity. The aim is better judgement and follow-through, not emotional pressure.

Why loss framing changes workplace behaviour

Behavioural economics and loss aversion suggest that losses often carry more psychological weight than equivalent gains. A manager might say, “Your team’s knowledge will be lost if incident reports remain incomplete,” rather than “Complete incident reports and help the team learn.” The first version makes the consequence salient.

Framing Core emphasis Employee message Main risk
Gain-framed What employees can gain “Complete the report and improve the next response.” May feel like a low priority
Loss-framed What employees can avoid losing “Incomplete reporting means the next team repeats the fault.” May trigger defensiveness
Balanced A credible gain and loss “Your input prevents another error and strengthens the process.” Requires careful wording

Choice should follow the decision, not a house style. A prompt for an overdue safety report may need a loss frame because under-reporting carries immediate harm. A wellbeing message may work better with a gain frame if the benefit is credible and employees distrust exaggeration.

Action is easier when the message also reduces effort. Nick’s guidance on reducing no-shows shows how reminders, defaults and pre-commitment can make the desired behaviour easier. A credible consequence paired with a simple next step is stronger than a warning alone.

Where the framing fits in employee engagement

Employee engagement spans participation, learning, internal mobility and speaking up. The relevant loss might be a missed deadline, unused leave, an unreported fault or a customer relationship damaged by delay. Each situation requires evidence about the behavioural barrier.

For example, a manager can frame a training prompt around losing a certification, or frame a knowledge-sharing request around losing expertise when an experienced employee leaves. In a service setting, a retail team can highlight the loss of customer trust caused by a stockroom error. Specific stakes usually outperform vague appeals to engagement.

Loss framing can still backfire. When reporting a mistake may lead to blame, a threatened consequence can silence the employee. Test whether the message supports candour and psychological safety, especially for safety-critical work, grievances and flexible-working requests.

Designing for Australian workplace realities

Australian workplaces add practical constraints worth respecting. The National Employment Standards establish baseline entitlements, while awards and enterprise agreements shape many roster, leave and overtime conditions. Any message about working extra hours, taking leave or changing shifts must reflect the applicable agreement rather than a generic workplace rule.

Many Australian SMEs run with lean teams, casual rosters and employees wearing several hats. A loss-framed message should therefore identify one controllable step, such as confirming a roster swap or booking a toolbox talk. It should not imply that one person can solve a systemic understaffing problem.

Tone also matters. Australians often value a “fair go” and direct communication in workplaces from Melbourne to Sydney, but “no worries” should not obscure accountability. Managers can build capability through online skill courses, then practise concise prompts that respect frontline experience.

Testing loss-framed messages ethically

Treat every message as a small behavioural intervention. Co-design with employees from different roles, pilot it, and compare results with the usual communication. Clear hypotheses prevent a persuasive slogan from being mistaken for engagement.

Useful message tests include:

  • Does it name one observable action?
  • Is the possible loss credible and proportionate?
  • Can employees influence the outcome?
  • Does it provide an immediate, simple next step?
  • Has it been tested with shift and office workers?

Before rollout, check for these risks:

  • Avoid threats to pay, job security or safety.
  • Do not shame employees for using leave or raising concerns.
  • Protect privacy when behaviour or performance is personal.
  • Offer support when the message identifies a system barrier.
  • Monitor exclusion, anxiety and lower-quality reporting.

Measure actions and outcomes, not just clicks: meeting attendance, completed training, earlier risk reporting, service recovery or knowledge sharing. Segment results by location and job type, then revise or withdraw a message if it produces fear without better performance.

Turning insight into an engagement programme

Start with one employee journey and locate the point where intention breaks down. Combine interviews, operational data and behavioural science to distinguish a knowledge gap, an effort barrier, uncertainty or a lack of incentive. That diagnosis determines whether loss framing is appropriate.

Build a reusable workflow: define the desired behaviour, select the message, test a small intervention, document results and train managers to deliver it without inflated threat. Workshops can help teams practise tone, interpretation and response when employees react defensively.

Bring one live employee-experience challenge to a workshop with Nick. Organisations can contact Nick Naumof to scope a research and service-design sprint focused on practical engagement.

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).

Visit the blog →

Media and Thought Leadership

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.

Browse media appearances →

Get in Touch

For inquiries about training programs, workshops, or speaking engagements, use the contact form to ensure your message reaches Nick's inbox. When not traveling, he typically responds within one working day. You can also follow Nick on Twitter, LinkedIn, and Facebook.

Contact Nick →