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Researchers partnered with a large payday lender in Indiana to conduct an evaluation to better understand consumers’ decision-making. The results suggest that average borrowers can anticipate their probability of taking loans in the future. However, people focus too much on the present when making...

Researchers studied hiring discrimination among major employers in the United States by sending fictional resumes, with varying demographic information, to determine whether certain characteristics would lead to different follow-up contact rates. Employers were less likely to contact resumes with...

Researchers conducted a randomized evaluation to test whether encouraging entrepreneurs to raise their aspirations helped them improve their financial decisions and outcomes. The aspirations training led individuals to set higher savings goals, but most participants failed to achieve their goals.

Researchers conducted a randomized evaluation to test the impact of financial incentives on the take-up of energy-efficient smart meters and subsequent energy use in partnership with British Gas. While offering incentives increased smart meter adoption, customers did not reduce their energy...

Researchers evaluated a multi-faceted approach aimed at improving long term income of the ultra-poor in Peru. They found that the approach had long-lasting economic and self-employment impacts and that the long-run benefits, measured in terms of household expenditures, outweighed their up-front...