Li, Hailun. “Nudge Theory in Finance and Public Policy: A Review of Evidence, Policy Applications, and Controversies”. Innovation Journal of Social Sciences and Economic Review 8, no. 1 (May 5, 2026): 79– 91. Accessed May 6, 2026. https://www.ijsser.com/index.php/ijsser/article/view/10.36923.ijsser.V8i1.363.