Giorgia BarboniJuan-Camilo CárdenasNicolás de Roux2026-03-222026-03-22202210.2139/ssrn.4156675https://doi.org/10.2139/ssrn.4156675https://andeanlibrary.org/handle/123456789/59335Citaciones: 8enBehavioral economicsDebtPsychologyBusinessEconomicsMonetary economicsBehavioral Messages and Debt Repaymentarticle