Stephen Wendel is the Head of Behavioral Science at Morningstar, a leading provider of independent investment research. He and his team of behavioral scientists and practitioners specialize in savings and investing behavior, as well as digital products that help individuals manage their money more effectively. He founded the Action Design Network in 2012 and has authored several books, the most recent of which is titled “Designing for Behavior Change: Applying Psychology and Behavioral Economics – Second Edition.” The book is currently available for purchase on Kindle, and can be pre-ordered in print. You can download the free workbook at www.behavioraltechnology.co.   Steve joins Zarak and Erik to discuss his latest book, which describes how people can apply behavioral science in products and communications, and to help people change behavior in intentional and beneficial ways. In conjunction with the Action Design Network and the Behavioral Science & Policy Association, Steve and his team just ran the most comprehensive survey to date of applied behavioral teams across the globe. The diversity in the field has exploded; organizations with applied behavioral teams ranging from Kosovo to Peru participated in this survey, and the results are detailed in Steve's new book, as well as this episode.