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Browse news articles about J-PAL and our affiliated professors, and read our press releases and monthly global and research newsletters. For media inquiries, please email us.

The Impact of Defaults and Financial Incentives on Savings Decisions on a Mobile Money Platform in Afghanistan

In partnership with a mobile network operator launching a new phone-based savings account, researchers evaluated the role of defaults and financial incentives on savings decisions. Two months after the launch of the phone-based savings account, the company’s employees randomly assigned a default...

The Impact of Emergency Cash Assistance in a Pandemic

Researchers conducted a randomized evaluation in Colombia to assess the effects of emergency cash assistance on the well-being of households. Recipients of the UCT experienced improved financial health, food access, and psychological well-being. Colombia’s newly implemented mobile money system...

The Impact of Gender-Targeted Cash Transfers in North Macedonia

Researchers conducted a randomized evaluation to test the impact of targeting cash transfers to women on household spending and women’s empowerment. Targeting the cash transfer to mothers increased household spending on food. Women offered the transfers also had stronger measures of empowerment...

Increasing Take-Up of the Earned Income Tax Credit

Across six randomized evaluations, researchers studied the impact of low-cost, low-touch informational interventions, or “nudges,” on take-up of the federal and state Earned Income Tax Credit (EITC) in California. None of the interventions had an impact on EITC take-up, suggesting that information...

Cash & Stash: Encouraging Saving at a Check Casher in the United States

Many financial products such as 401k plans have been designed to help US consumers overcome limited self-control and limited attention in order to reach their savings goals. However, reaching low-income consumers with such behaviorally-designed financial products can be difficult. In the Bronx, NY...

Improving Credit Scores with Information in Peru

In Peru, researchers are conducting a randomized evaluation to measure the impact of an SMS reminder campaign on the frequency of credit report checks, credit scores, total debt levels, and interest rates paid on debt.

Encouraging Savings through SMS Messages in the Dominican Republic

There is a growing body of evidence on the efficacy of SMS reminders to encourage banking clients to save more. Researchers in the Dominican Republic partnered with savings and credit institution Banco Unión to conduct two randomized evaluations of tailored SMS reminders.