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)

Using sustainable transportation alternatives can often be hindered by car dependence (Haustein, 2021). Within the context of Santa Monica, for example, approximately 75% of Santa Monica residents choose single occupancy vehicle (SOV) commutes to work, and over 50% of households own more than one vehicle (Data USA, n.d.). More generally, vehicle transportation accounts for 62% of greenhouse gas emissions in the city, making it the largest emissions contributor (Johnstone, 2021). However,…

Institution: Duke University

Team: The Center for Advanced Hindsight

Water scarcity remains common in Brazil, especially in the Recife Metropolitan Region (RMR) in the State of Pernambuco. The RMR is subject to particularly high levels of non-revenue water—which occur when high volumes of water produced do not generate revenue for the supplier. While some losses may be due to structural and operational inefficiencies such as leaky pipes, clients also play a key role by defaulting on their water payments or installing bypasses to consume water free of charge.…

Institution: World Bank

Team: eMBeD, Mind Behaviour and Development team

In 2015 the World Meteorological Organization (WMO) released recommendations to move towards impact-based weather forecasts and warnings. These impact-based warnings will help increase lead-time for decision makers and the public, to ensure they are making the best choices to prepare for different types of weather events. Canada is currently in the process of adopting these recommendations by moving towards an impact-based tiered warning system for severe weather events. To assist in the…

Institution: Impact and Innovation Hub (IIU)- Impact Canada

Team: Impact and Innovation Unit (IIU)

Home Energy label

Institution: Impact and Innovation Hub (IIU)- Impact Canada

Team: Behavioral Sciences Team

Chilean mortgage loan market is characterized by debtors' limited understanding of financial information an low level of loans' renegotiation. As a result, there is a high risk that consumers are missing benefits from economic opportunities. That's why Chilean financial institutions must, by law, send to their customers every three months, a Mortgage Statement designed by the regulator. This policy paper is an executive summary of a study that shows qualitative and quantitative evidence about…

Institution: Servicio Nacional del Consumidor (SERNAC)

Team: Servicio Nacional del Consumidor (SERNAC)

The problem Missed appointments are a significant cost to the health care system, and patients who do not attend appointments miss out on valuable care. What we did We partnered with the Department of Health and Human Services and several health services to improve patient communications as part of a new Communications Toolkit for health services. To understand what works, we designed a range of behaviourally-informed SMS reminders and letters to reduce the number of patients who do not attend…

Institution: Victoria State Government

Team: Behavioural insights Unit (VicGov BIU)

There is a human capital crisis looming in the public sector as fewer and fewer people show interest in government jobs. At the same time, many public sector organizations struggle with increasing the diversity of their workforce. Although many institutional forces contribute to the challenge, part of the solution is in how government recruits. This study presents the results of a field experiment aimed at attracting more and different people to apply to a police force by varying job…

Institution: University of California, Berkeley

Team: The People Lab

As of 2007, the UK Ministry of Justice was imposing over £350 million in new court fines annually, only half of which were collected within six months. In 2011, the Ministry faced over £600 million in outstanding unpaid fines. Her Majesty’s Courts and Tribunal Service (HMCTS), which administers the collection of fines, incurs significant costs from non-compliant debtors. In addition to resources for case-management and follow-up phone calls, bailiffs are assigned to recover the debt…

Institution: Her Majesty's Courts and Tribunal Service (HMCTS)

Team: Her Majesty's Courts and Tribunal Service (HMCTS)

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…

Institution: Netherlands Ministry of Justice and Security