Behavioural Insights Projects

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…

Institution: Dutch Authority for the Financial Markets (AFM)

Why this experiment was conducted: scepticism about second-hand clothes The clothing industry is a major polluter, and the second-hand market is an important alternative to new clothes. While more and more Dutch consumers are turning to pre-owned clothing, a large group remains sceptical. According to a target group study conducted in 2020, they wonder whether they will be able to find a suitable second-hand item, and whether it is hygienic. The best way to overcome this scepticism is to create…

Institution: Dutch Ministry of Infrastructure and Water Management

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…

Institution: Ideas42

Team: Ideas42

This study focused on switching in payment accounts and mortgages, exploring the reasons why consumers do not switch and possible behavioural remedies.

Institution: European Commission

Team: JRC Competence Centre on Behavioural Insights

In connection with the 2022 county elections, an experiment was conducted in Finland for the first time to examine the impact of text message reminders on the voting turnout of young people. In the experiment, young people (aged 18 to 29) were messaged twice about the schedule of the county elections and their right to vote. The aim of the study was to find out whether a text message reminder increases voting turnout. The experiment was carried out in cooperation with the Ministry of Justice and…

Institution: Prime Minister's Office - Finland

Team: Finnish Behavioural Policy Unit

There is extensive evidence that shows that poor nutrition is associated with a set of non-communicable diseases, which today constitute the main cause of death. Currently in Argentina, excess weight affects all age groups, with a prevalence of 66.1% in the adult population, 13.6% in children under 5 years of age, and 41.1% in the 5 to 17 age group. These figures are accompanied by inadequate eating habits, identifying wide food and nutritional gaps, due to deficit or excess, between current and…

Institution: Other

Team: Behavioral Sciences and Public Policies Unit

The Charter of Rights and Responsibilities of Financial Consumers is an initiative designed to counteract consumers' optimism bias and the information asymmetry that typically favors banks over users. To address these behavioral and structural challenges, the initiative employs smart disclosure techniques, including the use of visual prominence and icons to guide users' attention when interacting with the document. This charter is mandated to be displayed physically at bank branches, digitally…

Institution: Superintendency of Bank of the Dominican Republic

Team: Administrative Modernization Agency (AMA)

BETA partnered with the Department of Social Services to determine the effect of behaviourally-informed activity statements on gambling behaviour in a simulated game. We tested two activity statement prototypes and found participants who saw the activity statements bet less than those who did not. Showing participants clear and easy-to-understand information about their gambling activities empowered them to make informed decisions about how much to bet. This project was conducted under Measure 7…

Institution: Prime Minister and Cabinet (PMC)

Team: Behavioural Economics Team of the Australian Government (BETA)

- There is need for organ donors. - According to public opinion polls, approximately 84% of Canadians support organ and tissue donation but only 43% report to have registered.[1,2] - In British Columbia, Canada, Internal operational data indicates that, between 2016 and 2017, 24,303 organ donation registrations took place through Service BC centres. This number dropped to 14,860 in 2019. - Considering these circumstances, Service BC has partnered with the BC Behavioural Insights Group to develop…

Institution: British Columbia Behavioural Insights Group (BC BIG)

Team: British Columbia Behavioural Insights Group (BC BIG)

Rijkswaterstaat (the Directorate-General for Public Works and Water Management) wants to induce behavioural change in several areas. The circular economy is one example. A study examined whether consumers will make more sustainable choices if they have been complimented on their past actions or behaviour that were environmentally friendly or sustainable. This proved to be the case. Why this experiment was conducted: additional incentive for sustainable behaviour Behavioural change is…

Institution: Rijkswaterstaat's Circular Economy & Waste department