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.
The Zeigarnik Effect and How Open Loops Shape Modern Engagement
Bluma Zeigarnik noticed it in a Vienna café almost a century ago: waiters could remember complex orders only while customers were still at the table. Once the bill was paid, the details dissolved. Her observation became one of the most cited findings in applied behavioural science, and it still explains why an unfinished series lingers long after a finished one fades.
The mechanism is simple. Our brains treat incomplete tasks as unresolved tension, a cognitive itch that demands relief. The memory system flags the task as "in progress" until closure arrives, which is why cliffhangers and unfinished puzzles stay on the mental shelf while completed experiences fade.
A well-placed open loop can hold attention through a service journey, a sales funnel, or a training programme. Used clumsily, it becomes manipulation and erodes the trust the experience was meant to build.
Australian service businesses operate in a demanding environment. The country spans three time zones, three major retail banks compete with regional mutuals, and consumers are protected by strict unfair-contract-term rules in the Australian Consumer Law. Designing engagement here requires cultural nuance as much as psychological literacy.
The memory advantage of unresolved tasks
Psychologists call the phenomenon the Zeigarnik effect, and it survives modern replication. When participants are interrupted mid-task, recall climbs noticeably. The unfinished item feels salient because the brain treats it as a live goal rather than a stored fact, a pattern visible in everyday habits from Sydney commutes to Adelaide shift work.
Once a task is closed, the cognitive system releases the tension and lets the memory decay. A customer who finishes an onboarding flow often forgets the brand within weeks, while a customer stuck halfway through still remembers every email and reminder.
Journeys that end with a small unresolved element, such as a progress bar at 80 percent, drive return visits. Journeys that close with a satisfying "all done" moment help when you want closure but hurt when you want ongoing engagement.
Open loops in service and product design
Service designers in Melbourne and Brisbane now treat the open loop as a deliberate architecture choice. A loyalty programme might reveal three tiers and let members see the next tier just out of reach. A healthcare app might break a recovery plan into twelve weekly milestones and unlock them one at a time.
The contrast with closed-loop design is worth examining directly.
| Open loop design | Closed loop design |
|---|---|
| Holds attention between sessions | Encourages task completion in one sitting |
| Drives return visits and app reopens | Builds a sense of completion and relief |
| Risks frustration if the loop never closes | Risks disengagement once the journey ends |
| Suits multi-week journeys and learning | Suits transactional purchases and support tickets |
| Demands transparent rewards | Forgives ambiguity in expectations |
A tax agent in Adelaide benefits from closed loops because clients want certainty. A meditation app benefits from open loops because users want a reason to return every morning. The right choice depends on the relationship a brand wants with its audience.
Australian workplace and consumer applications
Australia's employment landscape gives the effect an unusual twist. Under the Fair Work Act, employees accrue paid annual leave at four weeks per year for most shift workers, and many enterprise agreements add more. HR teams in Canberra and Hobart use open-loop onboarding portals that reveal new policy modules monthly, keeping new hires engaged through their first year.
Marketing teams face a sharper constraint. The Australian Competition and Consumer Commission has been clear about misleading "limited time" claims, and a countdown that resets every visit can attract scrutiny under recent guidance on dark patterns. Designers must build real scarcity or real progression into the loop rather than faking it.
Questions of leadership style also matter, including those explored in studies of fathers in leadership roles balancing career and family. A manager who leaves too many loops open for junior staff creates anxiety rather than engagement.
A retailer in Parramatta, a bank in Docklands, or a SaaS startup in Surry Hills can map every micro-loop in their customer journey, decide which ones deserve to stay open, and ensure each one closes with a genuine benefit.
Pitfalls and ethical guardrails
The Zeigarnik effect has a dark side, and Australians are not shy about calling it out. The country's Privacy Act 1988, refreshed by recent reforms, requires explicit permission for many cross-channel engagement tactics. A loop that tracks a customer across devices without clear consent is a compliance problem waiting for a complaint to the Office of the Australian Information Commissioner.
There is also a human cost. Customers juggling an aged parent in Launceston, a mortgage in Brisbane, and a job in Sydney already carry more open loops than they can manage. Adding another artificial unresolved task is a quick way to lose them permanently.
Common pitfalls to watch for include:
- Fake scarcity countdowns that restart on every page load
- Multi-step forms that demand information before showing the value
- Loyalty programmes whose next tier keeps drifting further away
- Email sequences that promise a five-part resource and deliver three
- Push notifications that ask for action without offering closure
The ethical version of the technique is also the most effective long term. A newsletter that promises a five-part series and delivers five parts builds habit. A webinar series that promises ten sessions and delivers four destroys the tension it worked so hard to create.
Techniques that create healthy open loops
Service designers who want to deploy the effect ethically tend to rely on a small toolkit of techniques.
- Progressive disclosure, revealing one feature or chapter at a time, with the next one previewed at the end of the current step
- Visible progress through progress bars, journey maps, and tiered dashboards showing users how far they have come
- Genuine scarcity tied to limited drops, seasonal menus, or cohort-based programmes where the window is real and verifiable
- Identity hooks that invite the user to define a goal, a streak, or a role they feel personally responsible for completing
- Curiosity gaps that resolve within the same session or the next one, so tension never festers into frustration
Each technique depends on closure arriving within a reasonable window. A curiosity gap that never resolves is just bait.
Putting the effect to work in Australia
Map every moment in your service where a customer could feel the journey is finished, and decide whether that feeling helps or hurts your goals. A first-time patient leaving a clinic wants closure. A recurring gym member wants a reason to come back tomorrow. The same organisation can run different loops for different segments.
Test loops with small cohorts in a single Australian state before rolling out nationally. What works in Perth often needs adjustment for Hobart. Measure not just engagement but trust signals: complaint rates, unsubscribe rates, and net promoter scores tell you whether your loops are landing or merely nagging.
For teams that want a practical playbook, the article on how to use commitment devices to reduce no-shows shows how small structural commitments close loops productively in healthcare and professional services. If your team needs help designing loops that hold attention without crossing ethical lines, you can engage Nick Naumof for a service design audit, a workshop, or a longer behavioural science partnership.
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.