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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 measure the effects of the transfer on recipients’ physical and mental health, food access and security, financial security, parental investment in their children’s education, political attitudes, and other outcomes. The transfer had positive (albeit...