TY JOUR TI Considering the Influence of Individuals’ Investment and Consumer Behaviour Factors When Making Decisions KW organizational systems KW behavioural economics KW economic psychology KW financial decisions KW anomalies KW deferred benefit KW intertemporal choice KW utility discounting JO Ergodesign AU Spasennikov, V.V. PY 2025 IS 2025 PB Bryansk State Technical University