How does the presence of consumer protection affect decisions at retirement? Oxera undertook a behavioural experiment for the UK Financial Services Compensation Scheme (FSCS) to understand the role of FSCS protection—in both how consumers select their retirement income products, and whether they choose to obtain financial advice. This revealed how people behave in a realistic environment, providing insight into actual consumer behaviour and the importance of the FSCS in their decision-making.
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.
Number of BI projects:
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Legend: Projects status
- Pre-registered project
- Completed project
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The problem
In Victoria, families need to consent to organ donation. Nine out of 10 families will consent to organ donation if a person has registered their intent to donate. But while 69% of Australians say they would donate their organs, only 33% of the adult population has registered. This is an example of the intention-action gap.
Behavioural insights concept: The intention-action gap refers to the difference between what people say they want to do, and what they actually do. It occurs in…
The Ministry of Finance of the Republic of Latvia collaborated with the World Bank on a holistic review of the country's tax system, an input to the design of a new, improved tax strategy. The State Revenue Service (SRS), Latvia's tax authority, worked with the Mind, Behavior, and Development (eMBeD) Unit at the World Bank to pilot a field experiment to increase tax compliance. The experiment involved sending preemptive, behaviorally-informed email messages to taxpayers with a share of income…
To better learn about the U.S. General Services Administration’s USAGov email audience, a bilingual survey was developed to include questions on preferred topics, preferred frequency of email communications, utility of emails, and audience demographics. USAGov sought to learn more about their email audience through the survey and by using behavioral insights to increase survey response.
The Environmental Habits and Values Survey (2020) aims to explore the values, opinions, attitudes and behaviour of Barcelona's citizens in relation to the environment, sustainability and climate change. This study was launched in 2000 and is carried out every four years. This year, 2024, the questions have been revised and the project is on-going.
The series has a dual value: on the one hand, it provides a snapshot of the values and attitudes of Barcelona residents at the time the survey is…
PROJECT SUMMARY
To increase uptake of flu vaccines and maintain a healthy workforce during the 2016-17 flu season, New York City’s Behavioral Design Team (NYC BDT) partnered with WorkWell NYC to design behaviorally informed emails to encourage New York City employees to visit a worksite flu clinic. One version of the redesigned email used the strategy of “enhanced active choice,” whereby employees were prompted to make a choice that had a clear right answer.
IMPACT
Behavioral emails more…
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…
BI Project
Reduced calf mortality at dairy farms: how can dairy farmers be encouraged to take proper care of…
To reduce calf mortality rates, the Netherlands Food and Consumer Product Safety Authority (NVWA) developed various letters for distribution amongst three subgroups of dairy farmers. The impact measurement shows that calf mortality decreased in the overall target group, although the letters did not produce any measurable outcomes.
Why this experiment was conducted: calf rearing necessitates a significant amount of care
Failure to ensure appropriate care for animals in dairy farming operations…
In keeping with current thinking on violence prevention, the Violence Prevention Initiative @Schools (VPI@Schools) project focuses on strengthening protective factors for those learners most at risk of being victims of violence and reducing risk factors for those learners most at risk of perpetrating violence. Using a behaviourally informed project, the direct aim of the VPI@Schools project is to help learners develop alternative, positive automatic responses and change their beliefs and norms…
Behaviorally informed messages have had demonstrated success in increasing tax compliance in multiple regional settings. In Indonesia, which has the largest economy in Southeast Asia, a trial from the Directorate General of Taxes (DGT) and World Bank teams looked at whether behaviorally informed messages and materials can impact tax compliance and payment rates among small and medium enterprises (SMEs). The results showed, to get delinquent firms to pay their taxes, information is not enough -…