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The Ministry of Justice and Security developed a behavioural intervention aimed at inspiring individuals to adopt safe cyber practices: 'Valse email? Meld het via de meldknop' (Fake email? Report it using the report button). Thanks to this behavioural intervention, employees are ten times more likely to report suspicious emails internally. Moreover, click rates on links in suspicious emails have significantly decreased. Why this experiment was conducted: One in five SMEs have been victims of…
Challenge Tax delinquencies are a major problem for most tax administrations in the world. In Colombia, the National Accountant Office estimated the total outstanding debt to the National Tax Agency at $2.5 billion, which represents about 20 percent of estimated total tax evasion in 2014. Finding ways to reduce tax delinquencies is critical for both fiscal and equity considerations. A previous study compared messages about due liabilities delivered through three channels (letter, email, or…
It’s the end of April in Poland. While everyone is happy the harsh winter weather is finally getting milder, the Polish Tax Authority is worried because 62% of the country failed to pay their taxes on time. Over the past decade, the use of behavioral principles by tax administrations in different countries has been gaining ground. Given the country’s tax compliance rate, Polish authorities and the World Bank tested the use of behaviorally informed letters to late taxpayers in order to…
Could we expect a higher vaccine uptake if vaccination appointments are no longer necessary? A campaign in neighbourhoods where vaccination rates were lagging sought to test whether emphasising convenience led to an increase in the number of administered vaccinations, by offering walk-in vaccination without an appointment. This indeed proved to be the case. Furthermore, getting a COVID-19 vaccine on a walk-in basis has become popular, along with the platform PrikkenZonderAfspraak. Why this…
Countries across the globe suffer from high rates of youth unemployment and inactivity. The Maldives are not immune. Despite efforts by the government to increase employment opportunities among young Maldivians, including the establishment of employment quotas for nationals, results have been underwhelming. Young people face barriers such as social and gender norms around women’s role in society, absence of role models to look up to, and few jobs perceived as “suitable” for…
All employees working in Australia are entitled to a minimum wage and minimum standards of employment. The underpayment of wages and entitlements is a serious social and economic issue which affects workers, businesses and the community. The Fair Work Ombudsman (FWO) uses audits to keep businesses on track—and we set out to see if these audits could be even more effective. The result was a win-win for workers, businesses and the community. Employees were $900 better off on average, instances…
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.
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…
The Australian Government has a range of programs available to assist those experiencing drought. But despite help being available, many do not reach out. The Behavioural Economics Team of the Australian Government (BETA) worked with the Joint Agency Drought Taskforce to research the barriers preventing people from seeking help. We sought to: • understand the most effective forms of communication about available forms of assistance, and incentives to take up assistance; and • understand the…
Despite email alert systems having a large reach, email can be a difficult platform to spread awareness. BETA partnered with the Australian Cyber Security Centre (ACSC) to find ways of boosting the impact of an email alert system. We applied behavioural insights to the email design to bolster its effects, and tested these different design aspects using a randomised controlled trial. Subscribers were randomly assigned to receive an alert with one or more of our new design features (or a…