Claims associated with adhesion contracts continue to represent a relevant challenge for financial consumer protection, particularly in highly mass-market products such as savings accounts and personal loans. The available evidence suggests that these complaints are not driven solely by regulatory transparency issues, but rather by persistent gaps in comprehension and attention at the time of contracting.
In this context, the Superintendency of Banks of the Dominican Republic (SBDR), through the…
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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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,…
Encouraging a more circular economy to lessen the impacts of climate change will require behavioural changes from Canadians. In partnership with Environment and Climate Change Canada (ECCC), we have launched a program of research to help meet some of Canada’s recycling targets—90% collection rate for plastic beverage containers, and these containers to have 50% recycled plastic content by 2030. This research will use insights and approaches from behavioural science to understand and increase…
This research shows that teacher and administration absences can negatively affect students’ reading and math abilities.Working with the Peruvian Ministry of Education (MINEDU) and the UK’s Behavioural Insights Team (BIT), we tested whether attendance could be influenced by sending different behaviorally informed messages by email. One email message conveyed the current level of attendance of one’s school district the “social norm” while the other built on teachers’ pro-social…
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…
Parents within the Child Support Program can apply for a Change of Assessment (CoA) when they experience a change in their circumstances that might affect their child support payments or entitlements. This is done by lodging an application with the Department of Human Services (DHS).
The aim of the study is to examine whether providing timely and salient information about the receipt and process of a claim improves process transparency and saves client time and effort by reducing the need for…
BI Project
Energy savings achieved with energy consumption managers: what impacts does feedback have on…
A series of controlled randomised experiments was conducted to examine the savings effects for households of three types of energy consumption managers tools: an email + web application, an app installed on a smartphone or tablet and an in-home display. Energy savings could only be established for the in-home display: almost 7% on natural gas and over 2% on electricity consumption.
Why this experiment was conducted: The Netherlands' climate targets
Energy consumption by Dutch households…
BI Project
Helping people get more out of language: How can you help individuals with limited literacy skills…
The 'Doe meer met taal' (Get more out of language) campaign was launched to reach out to individuals with limited literacy skills whose mother tongue is Dutch. At its conclusion, people in the target group said they felt more motivated to improve their language skills. They are also more inclined to take proactive steps, for example by engaging in language-related activities at home. 66,000 people visited the campaign website.
Why this experiment was conducted: everyone should be equipped with…
The Adult Migrant English Program (AMEP) is a government-funded program for all permanent visa holders and some temporary visa holders who have less than a vocational level of English. Not all people who are eligible for the AMEP participate in it. The Department of Home Affairs commissioned BETA to evaluate the effectiveness of communication in participants’ home languages on increasing participation in the AMEP.
Trial 1: We will send text messages to speakers of Mandarin, Cantonese,…
BI Project
New applicants for fiscal scheme to promote innovation Will website changes lead to more…
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…