Behavioural Insights Project Repository

Chilean mortgage loan market is characterized by debtors' limited understanding of financial information an low level of loans' renegotiation. As a result, there is a high risk that consumers are missing benefits from economic opportunities. That's why Chilean financial institutions must, by law, send to their customers every three months, a Mortgage Statement designed by the regulator. This policy paper is an executive summary of a study that shows qualitative and quantitative evidence about…

Institution: Servicio Nacional del Consumidor (SERNAC)

Team: Servicio Nacional del Consumidor (SERNAC)

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…

Institution: World Bank

Team: eMBeD, Mind Behaviour and Development team

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…

Institution: Inter-American Development Bank (IDB)

Team: IDB Behavioral Economics Group

To reduce the speed of motor vehicles on the Yarze highway, Nudge Lebanon, in collaboration with the Traffic Management Centre (TMC), placed a salient image of overlooking eyes, coupled with a message informing drivers that their speed was being monitored on a Variable Message Sign (VMS). Vehicles in treatment time slots, with speeds above 100km/h reduced their speed by around 11.5% compared to similar vehicles in the control group. Moreover, compared to the control group, the treatment was more…

Institution: Nudge Lebanon

Team: Nudge Lebanon

The project aims to increase the number of beneficiaries who “assign a Ticket” with an Employment Network (EN) or VR agency. The assignment of a Ticket constitutes an agreement between the beneficiary and a service provider of their choice for employment support services. An intermediate goal of the project is an increase in initial calls to the TTW Help Line.

Institution: General Services Administration (GSA)

Team: Office of Evaluation Sciences (OES)

To promote college access and affordability, education tax credits help with the cost of college by reducing the amount of tax owed. The most generous Federal higher education tax credit, the American opportunity tax credit (AOTC), is a maximum annual credit of $2,500 per eligible student. Yet, many eligible students (or their families) do not claim the credit. Among eligible students, national estimates indicate that 46 percent of independent students and 56 percent of dependent students take…

Institution: General Services Administration (GSA)

Team: Office of Evaluation Sciences (OES)

The study investigates minimum requirements and options for standardisation of energy offers and bills that ensure increased clarity and comparability, and puts forward better alternative “bill designs”. The study also examines the main factors discouraging energy consumers from switching, with a focus on the impact of exit fees in this decision. Finally, price comparison tools (PCTs) in the energy sector are examined and (independent) verification schemes for such tools are identified.

Institution: European Commission

Team: JRC Competence Centre on Behavioural Insights

The Australian Government has a range of programs available to assist those experiencing drought. But despite help being available, many do not reach out. The Behavioural Economics Team of the Australian Government (BETA) worked with the Joint Agency Drought Taskforce to research the barriers preventing people from seeking help. We sought to: • understand the most effective forms of communication about available forms of assistance, and incentives to take up assistance; and • understand the…

Institution: Prime Minister and Cabinet (PMC)

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

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…

Institution: Victoria State Government

Team: Behavioural insights Unit (VicGov BIU)

Every year, governments spend large amounts of resources on development programs that aim to change poor households’ behaviors and attitudes toward investment in the education, health, and nutrition of their children as a way to end the cycle of poverty. One key mechanism that can achieve this is working to raise aspirations. But how do you do that in practice? In this project, together with Karen Macours of the Paris School of Economics and the Ministry of Family in Nicaragua, we find that…

Institution: World Bank

Team: eMBeD, Mind Behaviour and Development team