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…
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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This project leverages an online survey experiment among federal employees involved in the process of translating information and evidence about a program into actionable policies and programs. The experiment’s primary aim is to test ways of presenting information to improve sensitivity to impact-relevant information about a program. The impact-relevant features tested are: the number of people impacted, the intermediate or final outcomes and the persistence of effects. In addition, the…
BI Project
Energy savings achieved with energy consumption managers: what impacts does feedback have on…
A series of controlled randomised experiments was conducted to examine the savings effects for households of three types of energy consumption managers tools: an email + web application, an app installed on a smartphone or tablet and an in-home display. Energy savings could only be established for the in-home display: almost 7% on natural gas and over 2% on electricity consumption.
Why this experiment was conducted: The Netherlands' climate targets
Energy consumption by Dutch households…
BETA Survey Series: Towards Net Zero – BETA will conduct a survey series to fill current information gaps and better understand barriers and enablers to making high impact household decisions that limit greenhouse gas emissions.
To help improve the impact of cyber security advice for individuals and small businesses, BETA partnered with the Australian Cyber Security Centre (ACSC) to design and test different formats of advice. We conducted focus groups and two survey experiments (surveys with embedded randomised controlled trials) to understand whether behavioural insights concepts are effective in shifting people’s intentions to enact safer cyber security practices. We surveyed small and medium business (SMB) owners…
BI Project
The impact of the energy label – and potential changes to it – on consumer understanding and on…
The study explores consumers’ understanding of the individual elements of the energy label and how the label design influences consumer choice. To this end, the study implemented two behavioural experiments to measure cognitive and behavioural responses to various label elements.
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,…
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…
While potential voters may register and intend to vote, many registered voters ultimately do not participate in elections. In addition, previous studies have not addressed how the impact of the text messages may vary among causal voters compared to habitual voters. Casual voters are defined as those who had previously only voted in the presidential election or major elections. Habitual voters are defined as those who have a higher propensity to vote (in this case, those who voted in each of the…
Surveys give people an opportunity to be heard and provide government with vital information about the impact of its services. BETA partnered with Department of Social Services (DSS) to encourage more people to complete the Data Exchange survey.
Data Exchange is new report platform developed by DSS to enable the collection of meaningful data about service delivery outcomes from organisations receiving community grants. As part of this platform, a client survey enables clients to self-report on…