©2019 by Neil Bage




Dr. Daniel Crosby

Chief Behaviour Officer,

Author, TEDx Speaker

"Neil is superb at bridging the gap between behavioural science and real world application"

Nicola Dicks

Head of Financial Services,


"Neil is a truly thought provoking speaker with a natural gift for engaging with the audience"

James Dunne

Global Head of Digital Investing,


"Neil has a real skill at turning people's behaviours into valuable insight"

Chris Budd

Founder & Organiser,

Financial Wellbeing Conference

"Neil's talk about the evolution of human behaviour was nothing short of brilliant"


Assume you've just found out you've won £5,000 on a lottery scratchcard. Congratulations!

However, the lottery company can only pay you the £5,000 in
12-months time. They are willing to pay you something today, but it needs to be less that £5,000. 

Would you accept a lower amount today to get your hands on some money, or would you wait for the 12-months to pass and collect the full amount?