Behavioural Insights Projects

Saving while being overdrawn costs consumers money. The interest they have to pay is far more than the interest they receive. An experiment tested two interventions aimed at encouraging consumers to use their savings to clear any overdraft, by pre-entering a repayment amount and giving explicit information about costs. These interventions lead to better choices amongst many, although not yet all, consumers. Why this experiment was conducted: saving while being overdrawn costs Dutch citizens…

Institution: Dutch Authority for the Financial Markets (AFM)

The project aims to increase the number of beneficiaries who “assign a Ticket” with an Employment Network (EN) or VR agency. The assignment of a Ticket constitutes an agreement between the beneficiary and a service provider of their choice for employment support services. An intermediate goal of the project is an increase in initial calls to the TTW Help Line.

Institution: General Services Administration (GSA)

Team: Office of Evaluation Sciences (OES)

Why this experiment was conducted: scepticism about second-hand clothes The clothing industry is a major polluter, and the second-hand market is an important alternative to new clothes. While more and more Dutch consumers are turning to pre-owned clothing, a large group remains sceptical. According to a target group study conducted in 2020, they wonder whether they will be able to find a suitable second-hand item, and whether it is hygienic. The best way to overcome this scepticism is to create…

Institution: Dutch Ministry of Infrastructure and Water Management

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.

Institution: Oxera Consulting

There is a human capital crisis looming in the public sector as fewer and fewer people show interest in government jobs. At the same time, many public sector organizations struggle with increasing the diversity of their workforce. Although many institutional forces contribute to the challenge, part of the solution is in how government recruits. This study presents the results of a field experiment aimed at attracting more and different people to apply to a police force by varying job…

Institution: University of California, Berkeley

Team: The People Lab

Canada Carbon Rebate (CCR; formerly known as Climate Action Incentive Payment) is a tax-free, quarterly payment paid to Canadians by the federal government in eligible provinces to offset the costs of federal pollution pricing. According to recent results from the Program of Applied Research on Climate Action (PARCA), eligible Canadians have low awareness of CCR and think that carbon price costs them more than they receive in CCR payment. In fact, support for carbon pricing has been declining…

Institution: Impact and Innovation Hub (IIU)- Impact Canada

Team: Impact and Innovation Unit (IIU)

The project’s goal is to bridge the gap between individuals’ green intentions and behaviors by simplifying self-regulating behavioral tools such as information processing, implementation intentions, and prioritizing. Through structured workshops, online courses and social media content Ecofriendly Choices creates a link between environmental ideas and actual everyday choices, helping individuals overcome information overload, action paralysis and procrastination in ecofriendly consumption…

Institution: Other

In partnership with Environment and Climate Change Canada (ECCC) and Natural Resources Canada (NRCan), the Impact and Innovation Unit (IIU) has launched a multi-year program of research on climate change. 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…

Institution: Privy Council Office

Team: Impact and Innovation Unit (IIU)

The Charter of Rights and Responsibilities of Financial Consumers is an initiative designed to counteract consumers' optimism bias and the information asymmetry that typically favors banks over users. To address these behavioral and structural challenges, the initiative employs smart disclosure techniques, including the use of visual prominence and icons to guide users' attention when interacting with the document. This charter is mandated to be displayed physically at bank branches, digitally…

Institution: Superintendency of Bank of the Dominican Republic

Team: Administrative Modernization Agency (AMA)

To support building the pipeline of skilled workers in Ontario, the Ministry of Labour, Immigration, Training and Skills Development (MLITSD) introduced the Skilled Trades Strategy (STS) in 2020 which aims to modernize the skilled trades and apprenticeship system by breaking the stigma and attracting more young people to the skilled trades, simplifying the system, and encouraging employer participation. In collaboration with MLITSD, the Ontario Behavioural Insights Unit (BIU) plans to run a…

Institution: Ontario Public Service (OPS)

Team: Behavioural Insights Unit