Behavioural Insights Projects

The study investigates minimum requirements and options for standardisation of energy offers and bills that ensure increased clarity and comparability, and puts forward better alternative “bill designs”. The study also examines the main factors discouraging energy consumers from switching, with a focus on the impact of exit fees in this decision. Finally, price comparison tools (PCTs) in the energy sector are examined and (independent) verification schemes for such tools are identified.

Institution: European Commission

Team: JRC Competence Centre on Behavioural Insights

The 'Fit op jouw manier' (Fit your way) campaign aims to encourage overweight individuals to get after. The campaign successfully reaches the target audience, motivating them with tips that they then practice. For example, more people now regularly take the stairs instead of the life or escalator. Why this experiment was conducted: combating overweight and obesity The Prevention Agreement aims to reduce the proportion of overweight adults from 50% in 2018 to 38% by 2040. A healthy lifestyle…

Institution: Netherlands Ministry of Health, Welfare and Sport

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

Smart energy services and demand flexibility are increasingly important topics. Levels of awareness in an Irish context are uncertain, but engagement is low. We test different ways of framing information on engagement and intention to be flexible. We record flexibility preferences by activity and flexibility mechanisms.

Institution: Sustainable Energy Authority of Ireland (SEAI)

Team: SEAI Behavioural Economics Unit

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

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)

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 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)

In a series of field experiments, six municipalities investigated whether a different approach in social assistance could get more people into work. The study focused on the effects of an exemption from the obligation to seek work, more intensive counselling or higher earnings disregards for additional income. A different approach can increase the number of people finding jobs. More research is needed. Why the experiments were conducted: increasing the effectiveness of the Participation…

Institution: Deventer, Groningen, Nijmegen, Utrecht, Tilburg and Wageningen

The problem In Victoria, families need to consent to organ donation. Nine out of 10 families will consent to organ donation if a person has registered their intent to donate. But while 69% of Australians say they would donate their organs, only 33% of the adult population has registered. This is an example of the intention-action gap. Behavioural insights concept: The intention-action gap refers to the difference between what people say they want to do, and what they actually do. It occurs in…

Institution: Victoria State Government

Team: Behavioural insights Unit (VicGov BIU)