Behavioural Insights Projects

In regions marked by fragility, conflict, and violence (FCV), entrepreneurs of small and medium-sized enterprises (SMEs) face increased risk of experiencing chronic stress and poor mentalhealth. In turn, this can lead to poor psychological outcomes, hamper their business performance,and weaken the benefits of existing financial and business assistance programs. The World Bank’s Finance, Competitiveness, and Innovation (FCI) Global Practice, in collaboration with the Mind, Behavior, and…

Institution: World Bank

Team: eMBeD, Mind Behaviour and Development team

Challenge The City of Philadelphia in Pennsylvania offers a discount to low-income senior citizens living in the municipality on their water bills. Senior water and sewer customers can apply to receive 25 percent off their payments for water in an effort to reduce the financial burden on those elderly citizens with lesser means. However, despite the fact that this would benefit the citizens in question, the City of Philadelphia noticed that many low-income seniors eligible for the discount were…

Institution: City of Philadephia

Team: Philadelphia Behavioral Science Initiative

In a move aimed at improving how it registers its development cooperation activities, the Ministry of Foreign Affairs developed an application: IMPACT. This was successful in enabling budget holders to report activities more correctly: activities now have shorter names and are reported in English more often than previously. However, budget holders continue to use non-standard abbreviations. Why this experiment was conducted: reports do not always comply with appropriate standards The Ministry…

Institution: Netherlands Ministry of Foreign Affairs

In early 2022, various kinds of text messages were sent to over 100,000 residents of Brabant-Zuidoost who had not yet received a booster jab from the GGD. The results show that the most effective variant − in the 6 days after receiving the text message − led to a 3.2% increase in the number of vaccinations administered. This was the text message saying 'Jouw boosterprik ligt voor je klaar' (You can now book your booster vaccination) plus a randomly allocated date, time and location. Why…

Institution: Netherlands Public Health Service

We seek to increase voluntary appearances for people with outstanding Warrants to Arrest (WTA) through reminder phone calls from Māori Wardens and Police. This Auckland-based project follows a proof-of-concept trial in the Eastern District, in which Māori Wardens made phone calls to people with outstanding WTAs and we compared voluntary appearances for those who were reached via phone to those who were not. While this first trial showed indicative evidence that phone calls may be effective,…

Institution: Other

Team: Behavioural Science Aotearoa

The Australian Government has a range of programs available to assist those experiencing drought. But despite help being available, many do not reach out. The Behavioural Economics Team of the Australian Government (BETA) worked with the Joint Agency Drought Taskforce to research the barriers preventing people from seeking help. We sought to: • understand the most effective forms of communication about available forms of assistance, and incentives to take up assistance; and • understand the…

Institution: Prime Minister and Cabinet (PMC)

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

The project’s goal is to bridge the gap between individuals’ green intentions and behaviors by simplifying self-regulating behavioral tools such as information processing, implementation intentions, and prioritizing. Through structured workshops, online courses and social media content Ecofriendly Choices creates a link between environmental ideas and actual everyday choices, helping individuals overcome information overload, action paralysis and procrastination in ecofriendly consumption…

Institution: Other

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

Challenge Research suggests that some students—including low-income, underrepresented minority, and first generation students—avoid applying for financial aid due to a combination of psychological reasons. Some are overwhelmed by the complexity of the process, while others worry they’ll feel out of place in college or be stigmatized for their socio-economic background. These psychological factors can cause students to avoid applying for aid, or fail to complete their financial aid…

Institution: Ideas42

Team: Ideas42