PROJECT SUMMARY
ideas42 and Busara Center for Behavioral Economics worked with a major bank and telecommunications company in Nigeria to send behaviorally-informed SMS messages to customers to increase their use of mobile bank accounts.
IMPACT
Effects varied by message and audience; notably, injunctive norm messages led to a 45 percent increase in the number of clients making deposits among females with active accounts, from 0.82% to 1.81%.
RESULTS
Design
ideas42 and the Busara Center for…
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.
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Challenge
Conditional cash transfers are funds given to households if they fulfill certain requirements, such as sending their children to school. These cash transfers can boost households’ investment in health and education; however, they are expensive, and it is often complicated to track and enforce compliance with the requirements. Removing the conditions may make cash transfer programs more cost effective by decreasing administrative costs, while still providing a nudge to increase school…
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.
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…
BI Project
Encouraging the wearing of face masks in hospitality venues: how to ensure guests wear face masks in…
Due to the COVID-19 pandemic, guests were required to wear face masks on entering and while moving inside hospitality venues. To promote this behaviour, self-persuasion and salience techniques were used in this experiment - with notable success. Following the announced relaxation of face mask requirements, there was a decrease in face mask usage, although this was significantly less in hospitality venues that saw interventions than in venues that did not experience interventions.
Why this…
The project’s goal was to increase voter turnout among potential voters: registered voters who participated in one or fewer primary elections since 2000. Voting is a high-salience, socially important behavior that is essential to a functioning democratic society. While campaigns and organizations spend millions of dollars to increase voter turnout, recent research suggests that simple interventions like facilitating plan-making can help people follow through on their intentions.
BI Project
Filing tax returns correctly and on time: Is there value in expressing thanks to citizens and…
Are people more likely to file their tax returns correctly if they receive a thank-you in advance or afterwards? Analyses show that thank-you messages have no effect on compliance behaviour.
Why this experiment was conducted: positive alternative sought
To encourage citizens' tax compliance (i.e., paying their taxes on time and correctly), it is occasional practice to emphasise the risk of checks and fines in case of non-compliance. One drawback of this deterrent method is that it can damage…
In partnership with Environment and Climate Change Canada (ECCC) and Natural Resources Canada (NRCan), the Impact and Innovation Unit (IIU) has launched a multi-year program of research on climate change. The Program of Applied Research on Climate Action in Canada (PARCA Canada) combines behavioural science (BeSci) insights and methods with robust policy analysis to promote climate action. One of the main areas of focus involves the launch of a longitudinal survey that will, over time, collect…
BI Project
Evaluating the Impact of Communicating the Credit Card Statement on Financial Decisions:…
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…
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…