Behavioural Insights Projects

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)

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 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

We conducted a systematic search for an overview of reviews of scholarly evidence on scale up, and 11 practice interviews with behaviour science researchers and practitioners to identify the factors and activities that influence the scale up of behaviour change interventions, learn about scale up, its challenges, and useful frameworks, identify which behaviour to target with an intervention, assess the feasibility of different intervention ideas, and select a scalable behaviour change…

Institution: Government of Victoria - Department of Premier and Cabinet

Team: Behavioural insights Unit (VicGov BIU)

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

An ever-increasing number of AI ethicists can enumerate the most prominent risks; yet startlingly few psychologists, or other experts in behavioral science, are working on the project of aligning AI outcomes with fundamental ethical and safety principles. This knowledge gap is striking given the extraordinary investments being channeled into the technology’s ability to master and influence human behavior. In neglecting more than a century of relevant behavioral research, the ethical AI…

Institution: Other

Team: Research-to-Policy Collaboration

The project aims to increase the number of beneficiaries who “assign a Ticket” with an Employment Network (EN) or VR agency. The assignment of a Ticket constitutes an agreement between the beneficiary and a service provider of their choice for employment support services. An intermediate goal of the project is an increase in initial calls to the TTW Help Line.

Institution: General Services Administration (GSA)

Team: Office of Evaluation Sciences (OES)

The Environment Act 1986 established the Ministry for the Environment (MfE), which is the primary adviser of the New Zealand Government on environmental matters. The purpose statement for the MfE is “A flourishing environment for every generation – He taiao tōnui mō ngā reanga katoa [te reo version, the indigenous language of the Māori people]. MfE is actively engaged in reducing waste across the country, as illustrated by the recent Aotearoa New Zealand Waste Strategy. To lead by…

Institution: Other

Team: Systems Change and Capability

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

Encouraging a more circular economy to lessen the impacts of climate change will require behavioural changes from Canadians. In partnership with Environment and Climate Change Canada (ECCC), we have launched a program of research to help meet some of Canada’s recycling targets—90% collection rate for plastic beverage containers, and these containers to have 50% recycled plastic content by 2030. This research will use insights and approaches from behavioural science to understand and increase…

Institution: Privy Council Office

Team: Impact and Innovation Unit (IIU)