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Bi Project Policy Area: Consumer policy

BI Project

Evaluating the Impact of Communicating the Credit Card Statement on Financial Decisions:…

🇨🇱 Chile

Chilean regulation establishes the format and content that financial providers must communicate to cardholders about their transactions throughout a monthly billing statement. Although this information is relevant for making decisions, comparative evidence indicates that people have difficulty understanding and making informed decisions. This study shows qualitative and experimental evidence about the impact of Credit Cards Statements on consumers' repaying decisions. The study considers the…

Institution: Servicio Nacional del Consumidor (SERNAC)

Team: Servicio Nacional del Consumidor (SERNAC)

Consumer policyEconomyFinance
BI Project

Improving Energy Bills

🇦🇺 Australia

BETA partnered with the Australian Energy Regulator to apply behavioural insights to the design of energy bills. We conducted a literature review to identify key research questions. We used 2 online samples involving over 6,300 and 7,800 Australians, respectively to a survey and 6 randomised controlled trials (survey experiments). They investigated the possibility of cognitive overload, and the impact of various bill components on comprehension and intentions.

Institution: Prime Minister and Cabinet (PMC)

Team: Behavioural Economics Team of the Australian Government (BETA)

Consumer policy