Behavioural Insights Projects

SERNAC designed and tested Key Fact Sheets to help consumer decision-making on quoting car insurance. The study evaluated options to standardize the car insurance quotation sheet's design through a randomized online experiment with 3,008 consumers. Three prototypes were designed and tested in contrast to a representative quotation sheet currently provided by insurance companies in Chile to achieve this objective. Each prototype considered simplifying the language and standardization of the…

Institution: Servicio Nacional del Consumidor (SERNAC)

Team: Servicio Nacional del Consumidor (SERNAC)

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)

Regulators require lenders to display a subset of credit card features in summary tables before customers finalize a credit card choice. Some jurisdictions require some features to be displayed more prominently than others to help ensure that consumers are made aware of them. This approach could lead to untoward effects on choice, such that relevant but nonprominent product features do not factor in as significantly. To test this possibility, we instructed a random sample of 1615 adults to…

Institution: Behavioural Economics in Action at Rotman (BEAR)

Team: Behavioural Economics in Action at Rotman (BEAR)

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)

As of 2007, the UK Ministry of Justice was imposing over £350 million in new court fines annually, only half of which were collected within six months. In 2011, the Ministry faced over £600 million in outstanding unpaid fines. Her Majesty’s Courts and Tribunal Service (HMCTS), which administers the collection of fines, incurs significant costs from non-compliant debtors. In addition to resources for case-management and follow-up phone calls, bailiffs are assigned to recover the debt…

Institution: Her Majesty's Courts and Tribunal Service (HMCTS)

Team: Her Majesty's Courts and Tribunal Service (HMCTS)

An online experiment with EU consumers was run to assess the relative effectiveness of three sustainability labelling approaches: (1) positive labels - only identifying products with the best sustainability performance, (2) negative labels - only identifying products with the worst sustainability performance, and (3) graded labels - conveying the relative sustainability of all products. Results suggest that graded labels are the most effective to steer consumer toward more sustainable purchase…

Institution: European Commission

Team: JRC Competence Centre on Behavioural Insights

BETA partnered with the Australian Energy Regulator to apply behavioural insights to the design of energy bills. We conducted a literature review to identify key research questions. We used 2 online samples involving over 6,300 and 7,800 Australians, respectively to a survey and 6 randomised controlled trials (survey experiments). They investigated the possibility of cognitive overload, and the impact of various bill components on comprehension and intentions.

Institution: Prime Minister and Cabinet (PMC)

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

The study was conducted in collaboration with eight supermarkets from two of the largest Swedish supermarket chains. The stores provided the natural environment in which to conduct an experiment using real shoppers and real purchases, without shoppers being aware of the study. Four different interventions (different price displays) were designed, based on insights from behavioural science. These signs were tested in a randomised controlled study for two common and perishable vegetables –…

Landfills are a major contributor to methane emissions in the United States. By diverting organic waste from landfills, composting may reduce the global warming effects caused by methane. However, only a small proportion of compostable food is currently composted. This is because of barriers to composting that are both structural (lack of public composting infrastructure) and psychological (insufficient knowledge about and interest in composting among prospective users). We set out to develop a…

Institution: Duke University

Team: The Center for Advanced Hindsight

Cambridgeshire Constabulary has noted that 1,650 hate incidents were reported within Cambridgeshire between 1st December 2019 and 28th February 2021 and the vast majority of reported incidents (1,344) were racially-based. The data indicates that since the pandemic (March 2020), incidents of Hate crime have increased for people with the following protected characteristics: disabled people, LGBTQ+ people, race, religion. These groups are already disproportionately adversely impacted by COVID-19…

Institution: Local Government Association

Team: Local Government Association