Behavioural Insights Projects

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)

This experiment involved making the information on the WBSO website clearer and more personally relevant to entrepreneurs. The visibility of the call-to-action was also enhanced. The study showed that entrepreneurs were prompted to spend more time exploring the possibilities offered by the Research and Development (Promotion) Act (WBSO) and that they read the information more carefully. Why this experiment was conducted: number of new applications below expectations The Research and Development…

Institution: Netherlands Ministry of Economic Affairs and Climate Policy and Netherlands Enterprise Agency (RVO)

OES is supporting the USAID-funded Integrated Family Planning Program (IFPP) in Mozambique led by Pathfinder International. The component of the IFPP that will be evaluated by OES is led by Population Services International (PSI). It aims to reach and engage urban women in Sofala and Nampula provinces at their doorstep with tailored family planning counseling specific to their needs, provided by family planning promoters. OES is supporting USAID/Mozambique efforts to increase the effectiveness…

Institution: General Services Administration (GSA)

Team: Office of Evaluation Sciences (OES)

Electricity bills are a key way to inform people about their plan and usage, but bills can be confusing and are not really useful to help people navigate the electricity market. BETA and the Department of the Environment and Energy ran a trial to test the impact of bill design on people’s confidence in their ability to look for a better offer and intention to do so. We drew on behavioural insights to design and test six electricity bills. We focussed on simplifying bill design to draw…

Institution: Prime Minister and Cabinet (PMC)

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

'Returning to employment? Don't forget about your benefits!' When individuals receiving benefits return to employment having been registered as unemployed, it is important that they report the change in their income to the Benefits Unit on time, to avoid repayment demands. Why do individuals not comply with this notification requirement? And what interventions could improve compliance? A revised letter from the UWV Employee Insurance Agency and an additional page on the Benefits Unit website…

Institution: Netherlands Employee Insurance Agency (UWV)

In Indonesia, a replication of a Growth Mindset intervention had significant impacts on student academic performance – particularly in schools located in regions that could benefit the most. Student learning outcomes in Indonesia have remained lower than their regional neighbors and other middle-income countries, as suggested by the results of the Program for International Student Assessment – PISA. Aside from socioeconomic conditions and access to educational resources, student motivation…

Institution: World Bank

Team: eMBeD, Mind Behaviour and Development team

Challenge The City of Philadelphia in Pennsylvania offers a discount to low-income senior citizens living in the municipality on their water bills. Senior water and sewer customers can apply to receive 25 percent off their payments for water in an effort to reduce the financial burden on those elderly citizens with lesser means. However, despite the fact that this would benefit the citizens in question, the City of Philadelphia noticed that many low-income seniors eligible for the discount were…

Institution: City of Philadephia

Team: Philadelphia Behavioral Science Initiative

In a move aimed at improving how it registers its development cooperation activities, the Ministry of Foreign Affairs developed an application: IMPACT. This was successful in enabling budget holders to report activities more correctly: activities now have shorter names and are reported in English more often than previously. However, budget holders continue to use non-standard abbreviations. Why this experiment was conducted: reports do not always comply with appropriate standards The Ministry…

Institution: Netherlands Ministry of Foreign Affairs

In Indonesia, as in other countries, a large proportion of tax returns are filed at the last minute. In a population-wide randomised controlled trial (n = 11,157,069), we evaluated the impact of behavioural email prompts on the proportion of annual tax returns filed at least two weeks before the deadline; and overall filing rate. In two control conditions, taxpayers either received no email or an email used in prior years, emphasising regulatory information. The five treatments informed by…

Institution: Other

SERNAC designed and tested Key Fact Sheets to help consumer decision-making on quoting car insurance. The study evaluated options to standardize the car insurance quotation sheet's design through a randomized online experiment with 3,008 consumers. Three prototypes were designed and tested in contrast to a representative quotation sheet currently provided by insurance companies in Chile to achieve this objective. Each prototype considered simplifying the language and standardization of the…

Institution: Servicio Nacional del Consumidor (SERNAC)

Team: Servicio Nacional del Consumidor (SERNAC)