Behavioural Insights Projects

In Haiti, more than 96 percent of the population is exposed to two or more natural hazards in theirlifetime. The human and economic impacts of these hazards, including hurricanes, floods, earthquakes, and landslides, have been severe. Between 1961 and 2012, the country experienced more than 180 disasters, causing the death of more than 240,000 people. Many disaster-related fatalities are preventable if people evacuate to a safer place in a timely fashion. However,in Haiti, due to a variety of…

Institution: World Bank

Team: eMBeD, Mind Behaviour and Development team

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)

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…

Institution: Financial Conduct Authority (FCA)

Team: Financial Conduct Authority (FCA)

Land tax is payable in Queensland on properties valued over a certain threshold. The Queensland Office of State Revenue can approve land tax exemptions for a range of reasons that include landowners’ principal place of residence and business of primary production. Once claimed, the exemption continues to apply indefinitely, which is appropriate as long as landowners are entitled to continue to claim the exemption. However, landowners who claim the exemption are obligated to inform the…

Institution: Queensland government

OES is supporting the USAID-funded Integrated Family Planning Program (IFPP) in Mozambique led by Pathfinder International. The component of the IFPP that will be evaluated by OES is led by Population Services International (PSI). It aims to reach and engage urban women in Sofala and Nampula provinces at their doorstep with tailored family planning counseling specific to their needs, provided by family planning promoters. OES is supporting USAID/Mozambique efforts to increase the effectiveness…

Institution: General Services Administration (GSA)

Team: Office of Evaluation Sciences (OES)

Chilean mortgage loan market is characterized by debtors' limited understanding of financial information an low level of loans' renegotiation. As a result, there is a high risk that consumers are missing benefits from economic opportunities. That's why Chilean financial institutions must, by law, send to their customers every three months, a Mortgage Statement designed by the regulator. This policy paper is an executive summary of a study that shows qualitative and quantitative evidence about…

Institution: Servicio Nacional del Consumidor (SERNAC)

Team: Servicio Nacional del Consumidor (SERNAC)

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.

Institution: Oxera Consulting

Team: Behavioural Economics Team

Electricity bills are a key way to inform people about their plan and usage, but bills can be confusing and are not really useful to help people navigate the electricity market. BETA and the Department of the Environment and Energy ran a trial to test the impact of bill design on people’s confidence in their ability to look for a better offer and intention to do so. We drew on behavioural insights to design and test six electricity bills. We focussed on simplifying bill design to draw…

Institution: Prime Minister and Cabinet (PMC)

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

Are there ways to limit the accrual of excessive loan amounts by students? A letter sent to students with student loans who have received a supplementary grant increases the likelihood of them reducing their loan amounts. This increased likelihood translates to an annual average decrease of over € 150 in loan amounts for students receiving both a supplementary grant and a loan. Why this experiment was conducted: award of supplementary grant sometimes has little or no impact on loan…

Institution: Netherlands Ministry of Education, Culture and Science

The 'Doe meer met taal' (Get more out of language) campaign was launched to reach out to individuals with limited literacy skills whose mother tongue is Dutch. At its conclusion, people in the target group said they felt more motivated to improve their language skills. They are also more inclined to take proactive steps, for example by engaging in language-related activities at home. 66,000 people visited the campaign website. Why this experiment was conducted: everyone should be equipped with…

Institution: Netherlands Ministry of Social Affairs and Employment and Ministry of Education, Culture and Science