@article{larsandersen2026,
  title   = {Nudge Architectures, Default Effects, and Long-Term Pension Enrolment Persistence},
  author  = {Lars Andersen and Sophie Leclerc and Heinrich Vogel and Miriam van der Berg},
  journal = {International Journal of Advanced Multidisciplinary Application (IJAMA)},
  year    = {2026},
  pages   = {76-82},
  issn    = {3048-9350 (Online)},
  doi     = {10.5281/zenodo.19483306 Style APA},
}