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Behavioural tool

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Behaviorally informed messages have had demonstrated success in increasing tax compliance in multiple regional settings. In Indonesia, which has the largest economy in Southeast Asia, a trial from the Directorate General of Taxes (DGT) and World Bank teams looked at whether behaviorally informed messages and materials can impact tax compliance and payment rates among small and medium enterprises (SMEs). The results showed, to get delinquent firms to pay their taxes, information is not enough -…
Among the education and psychology literature that looks at the role of beliefs and school outcomes, Growth Mindset theory (GM) posits that by helping students shift their theory of learning to one where intelligence isn’t a fixed state – but rather, that it’s malleable, and something you can improve and grow over time – students can become self-motivated to improve both academic effort and outcomes. Teaching youth how to foster a GM doesn’t just offer a potential solution at low cost…
In the study, the effectiveness of four reminder messages was evaluated through an online laboratory experiment involving 2,963 participants. The content of these messages was designed based on evidence from behavioural sciences, and their effect was contrasted with that of a simple, brief, and direct message (control message). The impact of the reminders was measured through four outcome variables: the action participants declared they would take after receiving the message, understanding and…
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.
In partnership with the Public Health Agency of Canada’s Office of Behavioural Science (BeSciO), the Privy Council Office’s Impact and Innovation Unit (IIU) has launched a multi-wave public opinion research survey to better understand public health challenges in Canada. The 'Health, Attitudes, and Behavioural Insights Trends' (HABIT) survey, combines research methods from the field of behavioural science (BeSci) with robust policy analysis to help inform government policies, programs, and…
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.
To support building the pipeline of skilled workers in Ontario, the Ministry of Labour, Immigration, Training and Skills Development (MLITSD) introduced the Skilled Trades Strategy (STS) in 2020 which aims to modernize the skilled trades and apprenticeship system by breaking the stigma and attracting more young people to the skilled trades, simplifying the system, and encouraging employer participation. In collaboration with MLITSD, the Ontario Behavioural Insights Unit (BIU) plans to run a…
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…
When firms in the UK do not follow the Financial Conduct Authority’s (FCA) Rules or Principles, and consumers incur financial losses as a result, the FCA seeks to ensure customers receive adequate compensation, or redress. In 2011/12, the FCA helped obtain over £150 million worth of redress for consumers. Instances where consumers are due redress do not often receive publicity. Instead, the firm alerts customers to a potential issue, usually in the form of a letter that gives customers…
Not all UWV clients who receive unemployment benefit post their CVs on werk.nl. This prevents them from being found or matched for a job. Would it help to send them a reminder to their personal Work Folder as well as a text message? Yes it would: this experiment shows that five times more clients are then prompted to put their CV online, compared to clients who are not sent a reminder. Why this experiment was conducted: missing CVs 25% of jobseekers on unemployment benefit who are asked to post…