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.
Number of BI projects:
0
Legend: Projects status
- Pre-registered project
- Completed project
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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…
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.
Installation of large, moveable trash containers and trash cans in convenient locations made disposal of large trash bags and litter easier for residents of New York City public housing. A package of indoor and outdoor posters informed people of the new policy and encouraged them to use the new infrastructure.
BI Project
Helping social assistance recipients in finding work: Does a different approach lead to more people…
In a series of field experiments, six municipalities investigated whether a different approach in social assistance could get more people into work. The study focused on the effects of an exemption from the obligation to seek work, more intensive counselling or higher earnings disregards for additional income. A different approach can increase the number of people finding jobs. More research is needed.
Why the experiments were conducted: increasing the effectiveness of the Participation…
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…
Behavioural science interventions advancing energy efficiency have mostly focused on consumer behaviour, with comparatively little work examining the important role that industrial consumers play in advancing the energy transition. Using the D.R.I.V.E.® framework, the project identified, analysed and consolidated the relevant literature and potential of behavioural science informed approaches to help SMEs become more energy efficient. Starting from a comprehensive review of the academic and…
The Ontario Ministry of Labour, Immigration, Training and Skills Development (MLITSD) seeks to remove barriers to apprenticeship enrolment, training, and program completion as part of their mandate to increase the skilled trades workforce in the province. Amongst other strategies, these efforts have led to an expansion of existing grant schemes that aim to offset some of the costs of training and encourage training completion. In collaboration with MLITSD, the Ontario Behavioural Insights Unit…
Among the education and psychology literature
that looks at the role of beliefs and school outcomes,
Growth Mindset theory (GM) posits that by helping
students shift their theory of learning to one where
intelligence isn’t a fixed state – but rather, that it’s
malleable, and something you can improve and grow
over time – students can become self-motivated to
improve both academic effort and outcomes. Teaching
youth how to foster a GM doesn’t just offer a potential
solution at low cost…
BI Project
Measuring the effect of community based social marketing on the rate of application for home energy…
In Ireland, grants for retrofitting homes with energy upgrade measures are available from the Sustainable Energy Authority of Ireland. Improved energy efficiency of households is an important aspect of Ireland’s climate emergency related targets.
Barriers to retrofitting include a lack of understanding about retrofitting and the process, and a lack of awareness of grant availability. Community based social marketing (CBSM) might be an effective way of increasing uptake because it addresses…