Behavioural Insights Projects

The Netherlands Authority for Consumers & Markets (ACM) conducted an experiment to investigate the effect of incomplete prices when booking a holiday home. Websites that display incomplete prices cause greater uncertainty, make choosing more difficult, undermine trust and give the feeling of deception compared to websites displaying transparent prices. Why this experiment was conducted: unclear picture of actual costs In 2021, the ACM conducted a study into effective transparency. The aim was…

Institution: Netherlands Authority for Consumers & Markets (ACM)

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

To gain insight into citizen perspectives on the themes of energy and climate, the Ministry of Economic Affairs and Climate periodically conducts public research. The Public Monitor Climate and Energy 2021 focuses on knowledge, attitude and behaviour of citizens in the field of the climate and energy transition.

Institution: Ministry of Economic Affairs (MinEZ)

Team: Behavioural Insights Network (BIN NL)

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)

Behavioural Additionality & Spillovers in the R&DTI Background This project aimed to understand the behavioural additionality effects of the R&DTI via a series of user interviews with companies currently engaged in R&D (including those participating and not participating in the R&DTI). Behavioural additionality goes beyond the traditional view of R&D additionality, which typically focuses on quantitative increases in inputs and outputs. Instead, behavioural additionality considers wider,…

Institution: Department of Industry, Science, Energy & Resources (Australia)

Team: Policy Lab

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

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)

The study explores consumers’ understanding of the individual elements of the energy label and how the label design influences consumer choice. To this end, the study implemented two behavioural experiments to measure cognitive and behavioural responses to various label elements.

Institution: European Commission

Team: JRC Competence Centre on Behavioural Insights

Water scarcity remains common in Brazil, especially in the Recife Metropolitan Region (RMR) in the State of Pernambuco. The RMR is subject to particularly high levels of non-revenue water—which occur when high volumes of water produced do not generate revenue for the supplier. While some losses may be due to structural and operational inefficiencies such as leaky pipes, clients also play a key role by defaulting on their water payments or installing bypasses to consume water free of charge.…

Institution: World Bank

Team: eMBeD, Mind Behaviour and Development team

Improving prevention in the area of mental health, destigmatizing the topic, improving awareness of the possibilities of help for different types of mental health problems, gradually breaking down the barriers that stand in the way of seeking professional help. Problem: students do not know how to deal with mental discomfort and the onset of mental health problems, including those caused by pandemics.

Institution: Ministry of Health of the Slovak Republic

Team: Behavioral and Experimental Economics Team (BEET)