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Distributing Pollution Rights in Cap-and-Trade Programs in the United States

Jeffrey Perloff
Researchers evaluated a cap-and-trade program in the United States to determine if the initial allocation of permits among firms affected how much firms decided to pollute. Evidence was consistent with, but not proof of, the economic theory that firms make decisions to reduce emissions based on...

Reducing Bank Overdraft Usage through Price Discounts and SMS Reminders in Turkey

Researchers evaluated the impact of informational reminders and price discounts on bank clients’ overdraft usage in Turkey. While messages on the availability of overdraft protection services increased usage, messages promoting an overdraft discount actually reduced overdraft usage, potentially...

The Impact of a Voluntary Summer Reading Program on Low-Income Latinx Children in the United States

James Kim
Researchers examined the impact of a voluntary summer reading program among low-income Latinx children from language minority homes. Results demonstrated that, although children reported reading more books, their reading test scores and the frequency with which they read with parents did not improve...

Delivering Conditional Cash Transfers Through Checking and Savings Accounts in Chile

Many beneficiaries of social welfare programs around the world receive benefits in cash or by check. Can distributing welfare benefits through electronic transfers directly into bank accounts help some of these low-income individuals enter the formal financial sector? Researchers are partnering with...

Information Campaigns to Increase Mobile Banking Adoption in Ghana

In Ghana, researchers worked with a bank that provides services to low-income customers with limited access to mainstream banking to evaluate the impact of sending pre-recorded informational voice calls and text messages on the adoption of mobile banking. Clients that received messages encouraging...