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The Netherlands Authority for the Financial Markets creates interactive game about irrational money behaviour

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On January 14, Hans Hoogervorst launched the new interactive game 'One euro is not the same as the next’ [De ene euro is de andere niet] in the Geldmuseum in Utrecht. The Netherlands Authority for the Financial Markets (AFM) initiated this game which focuses on irrational choices with respect to financial matters. The game can also be played online.

One euro is not the same as the next
Sometimes money seems to have more value in one situation than in another. How is this possible? The visitor will find out by playing the new game ‘One euro is not the same as the next.´ It will show that the same amount of money can sometimes have greater value. After all, people do not always handle money in a rational manner.
The game allows players to think for themselves what other people would do in certain situations. For example, would they undertake a twenty-minute bike ride for a € 5 discount on € 15 headphones at another shop? And would they do the same for a € 5 discount on a € 125 coat? It would seem to make no difference... But it turns out that it does! This therefore means that one euro is not the same as the next.

The game consists of five short film clips, each depicting a different situation. These situations are based on scientific research. Players of the game can decide for themselves what they would do in a similar situation and find out what others would do in the same situation.

The game can also be played >> here.



Scientific background
Traditional economical theories always assume a consumer who acts perfectly rational. More attention has been devoted in recent years to the psychology of the financial consumer. Behavioural economics tries to chart and explain structural deviations from rationality. For example, people structurally make different risk assessments when something is stated in terms of loss, when compared to a situation in which it is proposed as potential profit.

Daniël Kahneman, a pioneer in this field, received the Nobel Prize in Economics in 2002. His insights and those of other scientists are at the basis of AFM's game “One euro is not the same as the next”.

The AFM supports the financial consumer
The AFM promotes farness and transparency within financial markets. We are the independent supervisory authority for the savings, lending, investment and insurance markets. The AFM promotes the conscientious provision of financial services to consumers and supervises the honest and efficient operation of the capital markets. The AFM wishes, by cooperating with the Geldmuseum, to support consumers in making sound financial decisions.


The AFM is committed to promoting fair and transparent financial markets.

As an independent market conduct authority, we contribute to a sustainable financial system and prosperity in the Netherlands.

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