PROJECT SUMMARY
ideas42 and Busara Center for Behavioral Economics worked with a major bank and telecommunications company in Nigeria to send behaviorally-informed SMS messages to customers to increase their use of mobile bank accounts.
IMPACT
Effects varied by message and audience; notably, injunctive norm messages led to a 45 percent increase in the number of clients making deposits among females with active accounts, from 0.82% to 1.81%.
RESULTS
Design
ideas42 and the Busara Center for…
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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SIMPLESMENTE is an acronym formed by the initials of 12 mechanisms studied by the behavioral sciences. SIMPLESMENTE is an application to simplify and support the use of behavioral sciences in public policy designs. Based on a guided script, users define a problem of interest in public policies and are encouraged to assume the user's perspective. They are invited to apply a series of references, based on evidence and international practice, to improve their understanding of the situation and…
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…
In partnership with Godot Inc. the Yomitan Village Office in Okinawa (Japan) conducted an AI-driven sludge audit of the medical check-up process. Since the 2022 financial year, the village office and Godot Inc. have been working together to apply behavioural science to medical check-up notifications delivered via SMS and postcards.
In 2021, Yomitan Village had the lowest general medical check-up rate among all 41 municipalities in Okinawa Prefecture. However, the application of behavioural…
This research shows that teacher and administration absences can negatively affect students’ reading and math abilities.Working with the Peruvian Ministry of Education (MINEDU) and the UK’s Behavioural Insights Team (BIT), we tested whether attendance could be influenced by sending different behaviorally informed messages by email. One email message conveyed the current level of attendance of one’s school district the “social norm” while the other built on teachers’ pro-social…
Challenge
At San Francisco State University, 18% of students drop out by the end of their first year, mostly for reasons unrelated to their academic achievements. The goal was to increase the number of first-year college students returning for their second year.
Design
To help first-year students understand that the challenges they faced were neither unique to them nor evidence of personal failure, all incoming first-year students at SF State were asked to watch a three-minute video in which…
BI Project
Redesigning the Mortgage Statement and its Impact on Consumers Mortgage Purchase Decisions:…
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…
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,…
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…
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…