Using a place-based approach and working with profiled local communities in Coventry, we prototype and test a new experimental methodology with elements of design thinking to better understand barriers to engagement with retrofit measures designed to reduce household carbon emissions and alleviate fuel poverty. We partner with Coventry City Council, a local school and artists to deliver a pilot scheme in the Radford area of Coventry and aim in future to expand the project to additional areas…
Behavioural Insights Projects
Discover projects applying behavioural science to policy from around the world. Add your own projects, whether completed or still ongoing, to contribute knowledge on BI applications across different countries, policy areas, and topics of interest.
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Small businesses were sent behaviorally-informed emails encouraging them to apply to the Growth Vouchers program.
A key part of the Department for Business, Innovation and Skills’ (BIS) remit is to provide support to small businesses in the United Kingdom. BIS has explored a number of initiatives to help these businesses grow.
One of these initiatives was ‘Growth Vouchers’ – a program of matched funding with a £30 million budget. Businesses could apply for funding to help subsidize the…
BI Project
Combining Incentives with Narratives: Online-Field Experiment with Tesco to Reduce Plastic Bag Use
The pervasive use of single-use plastic bags presents a growing environmental challenge globally. Despite legislative efforts, such as the mandatory 5p bag-charge introduced in England in October 2015, the problem persists. The issue took on renewed urgency in the wake of the Covid-19 pandemic, which has seen a regression in consumer habits towards increased use of single-use plastics, driven by health and safety concerns (Adyel, 2020).
While traditional economic theory suggests that incentives…
Telephone surveys were prefaced by a brief message reminding businesses that they had previously committed to participate.
The general objective of this project was to test the effectiveness of presented information to retail investors. The overall aim is that the information provided should be well understood by retail investors and allow them to compare and select among different investment products.
How does the presence of consumer protection affect decisions at retirement? Oxera undertook a behavioural experiment for the UK Financial Services Compensation Scheme (FSCS) to understand the role of FSCS protection—in both how consumers select their retirement income products, and whether they choose to obtain financial advice. This revealed how people behave in a realistic environment, providing insight into actual consumer behaviour and the importance of the FSCS in their decision-making.
As of 2007, the UK Ministry of Justice was imposing over £350 million in new court fines annually, only half of which were collected within six months. In 2011, the Ministry faced over £600 million in outstanding unpaid fines.
Her Majesty’s Courts and Tribunal Service (HMCTS), which administers the collection of fines, incurs significant costs from non-compliant debtors. In addition to resources for case-management and follow-up phone calls, bailiffs are assigned to recover the debt…
Oxera and the Centre for Experimental Social Sciences (CESS) conducted a behavioural experiment on behalf of the Financial Conduct Authority (FCA) to identify the effectiveness of certain summary cost metrics in aiding consumer selection of income drawdown products
BI Project
Increasing consumer engagement in the annuities market: can prompts raise shopping around?
In June 2016, Oxera and the Nuffield Centre for Experimental Social Sciences (CESS) published the results of an experiment testing the effectiveness of different ‘prompts’ in encouraging consumers to shop around. The study, commissioned by the UK Financial Conduct Authority (FCA), found that personalised messages were the most effective in stimulating product comparisons, while generic messaging appealing to social norms also had a significant impact.
When firms in the UK do not follow the Financial Conduct Authority’s (FCA) Rules or Principles, and consumers incur financial losses as a result, the FCA seeks to ensure customers receive adequate compensation, or redress. In 2011/12, the FCA helped obtain over £150 million worth of redress for consumers. Instances where consumers are due redress do not often receive publicity. Instead, the firm alerts customers to a potential issue, usually in the form of a letter that gives customers…