Behavioural Insights Projects

The COVID-19 pandemic, the war in Ukraine, and other social and global political crises and incidents have increased the need to understand the mental resilience, preparedness, agency and sense of community of Finns in various crises and disruptions. This memorandum presents information related to these topics collected via the Citizens’ Pulse survey and citizen interviews commissioned by the Prime Minister’s Office in March and April 2022.

Institution: Prime Minister's Office - Finland

Team: Finnish Behavioural Policy Unit

Behavioural Additionality & Spillovers in the R&DTI Background This project aimed to understand the behavioural additionality effects of the R&DTI via a series of user interviews with companies currently engaged in R&D (including those participating and not participating in the R&DTI). Behavioural additionality goes beyond the traditional view of R&D additionality, which typically focuses on quantitative increases in inputs and outputs. Instead, behavioural additionality considers wider,…

Institution: Department of Industry, Science, Energy & Resources (Australia)

Team: Policy Lab

Climate change is undoubtedly a challenge with deep - and increasingly complex - behavioural roots. High profile efforts are already underway in Canada through federal levers, like the carbon tax, energy efficiency regulations, and investments in clean technology, that further the Government of Canada's goals for decarbonization, electrification, energy-efficiency, and nature-based solutions. An additional tool to contribute to these efforts is evidenced-based, data-driven behavioural science…

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

Team: Impact and Innovation Unit (IIU)

This study examined how people respond to a new income plan for retirement, known as a Comprehensive Income Product for Retirement (CIPR). A CIPR is a composite retirement income product which is intended to provide a balance of income, risk management (for example, longevity risk management) and flexibility to retirees. In response to a Financial System Inquiry1 recommendation, the Government has agreed to facilitate superannuation trustees pre-selecting a CIPR for their members at retirement.…

Institution: Prime Minister and Cabinet (PMC)

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

Previous research by the Program of Applied Research on Climate Action and the Environment (PARCA) team has found that Canadians generally display poor understanding of the relative impacts of different pro-climate actions and have gaps in their understanding of climate change. Following up on these findings, a randomized controlled survey-experiment was conducted in December 2023 to test the impact of several behaviourally-informed interventions on climate literacy outcomes. Results suggested…

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

Team: Impact and Innovation Unit (IIU)

Claims associated with adhesion contracts continue to represent a relevant challenge for financial consumer protection, particularly in highly mass-market products such as savings accounts and personal loans. The available evidence suggests that these complaints are not driven solely by regulatory transparency issues, but rather by persistent gaps in comprehension and attention at the time of contracting. In this context, the Superintendency of Banks of the Dominican Republic (SBDR), through the…

Institution: Superintendency of Bank of the Dominican Republic

Team: SBLAB

In Indonesia, as in other countries, a large proportion of tax returns are filed at the last minute. In a population-wide randomised controlled trial (n = 11,157,069), we evaluated the impact of behavioural email prompts on the proportion of annual tax returns filed at least two weeks before the deadline; and overall filing rate. In two control conditions, taxpayers either received no email or an email used in prior years, emphasising regulatory information. The five treatments informed by…

Institution: Other

Challenge Kosovo is the youngest country in Europe and faces the challenges of creating a government and setting up systems to generate funds needed to invest and develop. In 2018, only 47% of taxpayers made even a partial payment towards their due taxes. The consequences of low tax compliance and late repayment are two-fold. Individuals accumulate debt, interest, and fines from nonpayment which also prevents them from purchasing homes or registering vehicles until these debts are paid. On the…

Institution: Ideas42

Team: Ideas42

Challenge At San Francisco State University, 18% of students drop out by the end of their first year, mostly for reasons unrelated to their academic achievements. The goal was to increase the number of first-year college students returning for their second year. Design To help first-year students understand that the challenges they faced were neither unique to them nor evidence of personal failure, all incoming first-year students at SF State were asked to watch a three-minute video in which…

Institution: Ideas42

Team: Ideas42

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)