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Researchers partnered with a large Indonesian Islamic bank to evaluate the impact of sending moral appeals in reminder text messages to late-paying credit card holders. Messages stating that non-repayment of debts by someone who is able to repay is an injustice increased the number of clients...

Researchers examined the informational, behavioral, and monetary drivers behind takeup of residential energy efficiency audits and subsequent investments in Wisconsin. While receipt of promotional letters and subsidies did induce higher rates of audit participation, overall takeup and investment in...

Researchers partnered with a water company in Zambia to evaluate whether improved information and incentives can help households manage their water usage. They found that targeting incentives to higher household water consumers might be an effective way to reduce water consumption.

Researchers conducted a randomized evaluation to test whether reducing information disparities by giving access to critical market information through a mobile phone platform would improve traders’ profits and decrease incidences of corruption and bribery. Access to the mobile phone platform...

Researchers partnered with banks in three countries to see if removing the costs to opening basic bank accounts would lead to more households opening and using bank accounts. Overall, use of the accounts was low across all three countries, and being offered a free, basic bank account had no impact...

Increasing levels of migration to the European Union have created significant challenges for governments to ensure migrants fully integrate and thrive in their host societies, but there is little rigorous evidence that evaluates current programs that promote social inclusion. Researchers are...

Despite the initial promise of microcredit, randomized evaluations have found at best modest effects of microloans on poverty. Digitized payments from government cash transfer programs provide a unique opportunity to offer microcredit while addressing some of its shortcomings, potentially reducing...

Researchers conducted a randomized evaluation testing the impact of monthly cash transfers of $1,000 to low-income individuals in Texas and Illinois on household expenditures, debts and assets, and financial health. The study found that receiving the cash transfer increased spending by $310 per...