In 2014, Tanzania’s regulators made the country
the first in Sub-Saharan Africa to permit interest
payments on mobile money wallets. Currently, annual
interest rates range from seven to nine percent, four
times greater than the average deposit in a US bank.
Despite this, mobile savings balances remain low,
especially among low-income users.
In order to understand what influences the saving
behaviors of low-income Tanzanians, our team, eMBeD,
together with the Consultative Group to Assist…
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.
Number of BI projects:
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Legend: Projects status
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The Program of Applied Research on Climate Action in Canada (PARCA Canada) combines behavioural science (BeSci) insights and methods with robust policy analysis to promote climate action. One of the main areas of focus involves the launch of a longitudinal survey that will, over time, collect data on research questions of interest to the promotion of climate action in Canada (e.g. transportation, home energy use, waste management, engagement with nature, preparedness for extreme weather,…
Regulators require lenders to display a subset of credit card features in summary tables before customers finalize a credit card choice. Some jurisdictions require some features to be displayed more prominently than others to help ensure that consumers are made aware of them. This approach could lead to untoward effects on choice, such that relevant but nonprominent product features do not factor in as significantly. To test this possibility, we instructed a random sample of 1615 adults to…
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…
The study aims to identify barriers and trade-offs faced by consumers when deciding whether to engage in the circular economy. In particular, it explores decisions whether to buy a more or a less durable good, and whether to have a good repaired or to discard it and buy a replacement. It establishes the relative importance of economic, social and psychological factors that govern how consumers engage in the circular economy. Finally, it proposes policy tools to enable and encourage consumers to…
BI Project
Behavioural study on the pan-European Personal Pension Product (PEPP) information documents
The overall purpose of the study is to facilitate and execute graphic design work and consumer testing regarding the pan-European Personal Pension Product (PEPP) Key Information Document (KID) and Benefit Statement (BS) in three Member States. We will use mix behavioural methods to understand relevant behavioural biases, and why consumers find certain aspects of information related to pension products difficult to understand, and how to overcome those difficulties.
BI Project
Comparing the impact of positive, negative, and graded sustainability labels on purchase decisions
An online experiment with EU consumers was run to assess the relative effectiveness of three sustainability labelling approaches: (1) positive labels - only identifying products with the best sustainability performance, (2) negative labels - only identifying products with the worst sustainability performance, and (3) graded labels - conveying the relative sustainability of all products. Results suggest that graded labels are the most effective to steer consumer toward more sustainable purchase…
To promote college access and affordability, education tax credits help with the cost of college by reducing the amount of tax owed. The most generous Federal higher education tax credit, the American opportunity tax credit (AOTC), is a maximum annual credit of $2,500 per eligible student. Yet, many eligible students (or their families) do not claim the credit. Among eligible students, national estimates indicate that 46 percent of independent students and 56 percent of dependent students take…
BI Project
Promising circular business models: what options for a sustainable purchase are acceptable to…
A circular business model promotes reuse of products and materials. A case in point is a model where consumers return their jeans to the manufacturer after use. Which circular business model characteristics are consumers willing to accept right now, and what do they refuse? Acceptance of these models seems to increase if companies offer effective or appealing option combinations, such as monthly payment schedules and discounted returns.
Why this experiment was conducted: to promote the circular…
Not all UWV clients who receive unemployment benefit post their CVs on werk.nl. This prevents them from being found or matched for a job. Would it help to send them a reminder to their personal Work Folder as well as a text message? Yes it would: this experiment shows that five times more clients are then prompted to put their CV online, compared to clients who are not sent a reminder.
Why this experiment was conducted: missing CVs
25% of jobseekers on unemployment benefit who are asked to post…