Regulators require lenders to display a subset of credit card features in summary tables before customers finalize a credit card choice. Some jurisdictions require some features to be displayed more prominently than others to help ensure that consumers are made aware of them. This approach could lead to untoward effects on choice, such that relevant but nonprominent product features do not factor in as significantly. To test this possibility, we instructed a random sample of 1615 adults to…
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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- Completed project
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In 2014, Tanzania’s regulators made the country
the first in Sub-Saharan Africa to permit interest
payments on mobile money wallets. Currently, annual
interest rates range from seven to nine percent, four
times greater than the average deposit in a US bank.
Despite this, mobile savings balances remain low,
especially among low-income users.
In order to understand what influences the saving
behaviors of low-income Tanzanians, our team, eMBeD,
together with the Consultative Group to Assist…
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.
PROJECT SUMMARY
Students were sent two redesigned emails during the course selection process: a pre-registration email that laid out instructions and procedures for registration, and a post-registration email that notified students if any of their upcoming courses did not fit financial aid requirements.
IMPACT
The average aid award for students receiving both redesigned emails rose by $150.28 per student for the Spring semester compared with students who received neither email, with a total…
PROJECT SUMMARY
Arizona State University freshmen students eligible for the Student Engagement and Employment Development Plan (SEED), a work-study program, received emails designed to emphasize the benefits of joining the program and eliminate hassles in the application process.
IMPACT
The redesigned emails increased the number of students applying for SEED jobs by 3 percentage points, from 9% to 12% of students.
Source: B-Hub
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…
The Government of Canada wants to support the transition from home heating based on fossil fuels (e.g., natural gas) to electric heat pumps. Here, we wanted to test different ways of framing the advantages of heat pumps and assess the benefit of providing a step-by-step guide to getting a heat pump.
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…
BI Project
Applying behavioural science to decrease air contamination from woodheating in Ile de France
More than 480 000 people in Ile de France use an inefficient woodheating device releasing high quantities of particulate matters in the environment but do not always link air pollution and woodheating.
This project aimed to inform the inhabitants about this link and encourage them to renew their ancient devices and adopt good practices around woodheating.
281 households were equiped with particulate matter sensors and the DITP compared the evolution of contamination between groups, divided in…
BI Project
Less waste placed next to underground containers: is there a reduction in the amount of waste left…
The Municipality of Dordrecht organised a competition titled The Cleanest Neighbourhood in Dordrecht. The aim was to get residents to place less rubbish next to underground waste containers. As a result of the experiment, the amount of waste left next to bins decreased and a new social norm was established.
Why this experiment was conducted: rubbish left next to waste containers
Bin liners and other bags containing residual and larger waste left next to underground containers rank amongst the…