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…
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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Legend: Projects status
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BI Project
Effective position of call-to-action: Is the response rate higher if the call-to-action appears the…
How can response rates to questionnaires be increased? In the first quarter of 2023, some of the participants in a CBS survey received a letter in which the call-to-action appeared as far as possible at the top of the letter. The other participants received standard letters. The analyses showed that the standard letters produced a significantly higher response rate than the letters in which the call-to-action was placed at the top.
Why this experiment was conducted: high response rate is…
The purpose of this survey is to better understand Canadians’ perceptions, knowledge and decision-making related to home energy labels and to explore different design features and information presentations that may drive energy-efficient choices.
As rewards increasingly become an instrument used by policymakers, it is important to find a reward mechanism that does not crowd out intrinsic motivation, is long lasting, and has positive spillover effects on third parties. A policy innovation introduced by the Municipality of Santa Fe (Argentina) allowed us to evaluate different mechanisms for rewarding tax compliance – participation in a lottery (financial motive), public recognition (moral channel), and provision of a visible and durable…
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 data on research questions of interest to the promotion of climate action in Canada (e.g. transportation, home energy use, waste management, engagement with nature, preparedness for extreme weather,…
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…
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…
BI Project
Improved registration of development cooperation activities: How can an application ensure correct…
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…
PROJECT SUMMARY
Teachers in a summer school program for high school students provided brief, individualized, messages for parents with information about their child’s performance and behavior in school on a weekly basis.
IMPACT
Providing parents with individualized messages increased the probability a student earned credit for each class by 6.5 percentage points – a 41% reduction in failure rates.
We seek to increase voluntary appearances for people with outstanding Warrants to Arrest (WTA) through reminder phone calls from Māori Wardens and Police. This Auckland-based project follows a proof-of-concept trial in the Eastern District, in which Māori Wardens made phone calls to people with outstanding WTAs and we compared voluntary appearances for those who were reached via phone to those who were not.
While this first trial showed indicative evidence that phone calls may be effective,…