Behavioural Insights Projects

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 project involves a consultancy to diagnose and strengthen the behavioral incentive strategies of the Periodic Economic Benefits (BEPS) program by COLPENSIONES. Key Components: - Behavioral Diagnosis: Identify cognitive, social, and structural barriers limiting participation and savings in BEPS. - Analysis of Current Strategies: Evaluate the effectiveness of existing behavioral incentives, such as nudges, rewards, and simplification mechanisms. - Design of Recommendations: Propose…

Institution: Instintivo

Team: Instintivo

Government agencies around the world struggle to retain frontline workers, as high job demands and low job resources contribute to persistently high rates of employee burnout. Although four decades of research have documented the predictors and potential costs of frontline worker burnout, we have limited causal evidence on strategies that reduce it. In this article, we report on a multicity field experiment (n = 536) aimed at increasing perceived social support and affirming belonging among 911…

Institution: University of California, Berkeley

Team: The People Lab

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 a pre-registered experiment, we tested whether expert endorsement increases the effectiveness of debunking messages about COVID-19 vaccines. We monitored a sample of 2,277 people in Italy through a longitudinal study along the salient phases of the vaccination campaign. Participants received a series of messages endorsed by either medical researchers (experimental group) or by generic others (control). In order to minimise demand effects, we collected participants’ responses always at ten…

Institution: Vita-salute San Raffaele University

Determining residents' current preferences for covid-19 vaccination and developing strategies based on the use of behavioural interventions.

Institution: Ministry of Health of the Slovak Republic

Team: Behavioral and Experimental Economics Team (BEET)

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)

To reduce the speed of motor vehicles on the Yarze highway, Nudge Lebanon, in collaboration with the Traffic Management Centre (TMC), placed a salient image of overlooking eyes, coupled with a message informing drivers that their speed was being monitored on a Variable Message Sign (VMS). Vehicles in treatment time slots, with speeds above 100km/h reduced their speed by around 11.5% compared to similar vehicles in the control group. Moreover, compared to the control group, the treatment was more…

Institution: Nudge Lebanon

Team: Nudge Lebanon

A Randomized Controlled Trial (RCT) was conducted at seven of Amel’s community centers to improve the performance of students sitting for Cycle I exams. The trial consisted of a short activity that comprised of a ranking exercise whereby they have to rank a list of 10 values from most of least important to them, followed by a drawing exercise in which they have to visualize their number 1 value [9]. Both exercises were completed by students right before sitting for their exams.

Institution: Nudge Lebanon

Team: Nudge Lebanon

The Ontario Treasury Board Secretariat (TBS) is responsible for paying Ontario Public Service (OPS) employees on a bi-weekly basis. The Pay and Benefits Service Centre inboxes receive a large volume of documents. Pay and Benefits transactions are processed according to Pay Processing Deadlines and Pay and Benefits Service Priorities. Each month, OPS employees are required to confirm their attendance in the OPS Human Resources system (WIN System) for the previous month, and managers are…

Institution: Ontario Public Service (OPS)

Team: Ontario Behavioural Insights Unit