Oxera and the Centre for Experimental Social Sciences (CESS) conducted a behavioural experiment on behalf of the Financial Conduct Authority (FCA) to identify the effectiveness of certain summary cost metrics in aiding consumer selection of income drawdown products
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.
Number of BI projects:
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Legend: Projects status
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BI Project
Using savings to clear debit balances: What is the impact of pre-entering a repayment amount and…
Saving while being overdrawn costs consumers money. The interest they have to pay is far more than the interest they receive. An experiment tested two interventions aimed at encouraging consumers to use their savings to clear any overdraft, by pre-entering a repayment amount and giving explicit information about costs. These interventions lead to better choices amongst many, although not yet all, consumers.
Why this experiment was conducted: saving while being overdrawn costs
Dutch citizens…
BI Project
Text messaging to spur vaccination take-up: which type of communication is most effective?
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…
BI Project
Pre-contractual information and billing in the energy market – improved clarity and comparability
The study investigates minimum requirements and options for standardisation of energy offers and bills that ensure increased clarity and comparability, and puts forward better alternative “bill designs”. The study also examines the main factors discouraging energy consumers from switching, with a focus on the impact of exit fees in this decision. Finally, price comparison tools (PCTs) in the energy sector are examined and (independent) verification schemes for such tools are identified.
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…
BI Project
More conscious student borrowing behaviour: How can excessive loan amounts be avoided after the…
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…
BI Project
The Impact of Behaviorally Informed Communications on Uptake of a Cover Crop Cost-share Program
ideas24 partnered with the Practical Farmers of Iowa (PFI) to better understand the behavioral barriers preventing corn and soybean farmers from adopting cover crops and enrolling in PFI's cover-crop cost-share program. Using what we learned from administrative data, farmer interviews and direct feedback during user-testing, we then jointly designed behaviorally informed communication interventions, which included mailers as well as a farmer referral campaign. To evaluate the potential impact of…
The purpose of this study is to better understand Canadian's perceptions, knowledge, and decision-making related to home energy labels. It will build on the findings of an initial survey that explored home energy label design elements and information content, as well as perceptions of the current EnerGuide label for homes. Extending this work, the present study will examine how different rating presentations may affect comprehension of home energy performance and which home energy label design…
To support federal response efforts, Impact Canada is leading the implementation of the World Health Organization (WHO) Behavioural Insights (BI) Tool on COVID-19 in the Canadian context. This work is being led in collaboration with the Public Opinion Research Team within the Privy Council Office’s (PCO) Communications and Consultation Secretariat, which supports the Prime Minister’s Office in coordinating government communications in accordance with key priorities.
Insights garnered will…
Surveys give people an opportunity to be heard and provide government with vital information about the impact of its services. BETA partnered with Department of Social Services (DSS) to encourage more people to complete the Data Exchange survey.
Data Exchange is new report platform developed by DSS to enable the collection of meaningful data about service delivery outcomes from organisations receiving community grants. As part of this platform, a client survey enables clients to self-report on…