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Work Requirements Don’t Work
In 2015, the Supplemental Nutrition Assistance Program (SNAP) prevented 8.4 million people from living in poverty. This essential and effective safety net program helps people with low incomes...
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Building Reading Habits at Home with Behavioral Insights
Early reading habits are predictive of a number of later life outcomes, including higher education attainment and income, yet more than two-thirds of fourth graders in U.S. public schools are not...
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Bringing Behavioral Design to NYC Non-profits
BDC participant workshopping a communications piece We’ve spent more than a decade applying behavioral science to complex social problems, all in the service of improving the lives of millions of...
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More Opportunities to Support Student Financial Health
The start of a new academic year should be an exciting time for the 19.9 million students who recently began or are continuing in college. But for many students, college also brings stressful...
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What, Exactly, Are We Saving for?
Saving money, even in small amounts, has countless benefits. It helps low-income households build financial resilience—the ability to manage unforeseen expenses and avoid crises. However, saving is...
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Cash Plus Goals Help Families Invest in Their Children’s Futures
For the last two years, Dorothee, who works in a rice field and makes handicrafts in Madagascar, has been the main provider for her family. Her husband used to be a fisherman until an injury prevented...
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Making Saving Easier
“It’s very hard for me to save, because I have so many day-to-day expenses for my small kiosk. Still, at the beginning of the month I manually transfer part of my commission to my savings account,...
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Introducing a Behavioral Playbook for Financial Providers
Digital tools such as automated savings and investment, expense tracking, and person-to-person payments save people time and help them manage complex finances. Useful features like these can even...
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How Incorporating Behavioral Science into Cash Transfer Programs Is Changing...
Photo by Dimitri Ralovason This post originally appeared on NextBillion. Fighting poverty with direct cash payments is more common now than ever before. In 1997, only three developing countries had...
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Learning Behavioral Design, Part 3: 5 Lessons for Applying Behavioral Design...
It’s one thing to read about behavioral science or attend a one-time training on how it’s been used to improve programs. It’s another to take those insights and apply them to the real world yourself....
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Learning Behavioral Design, Part 2: How to Embed Behavioral Design in...
Behavioral Design Project participants and ideas42 staff Over the last year and a half, we collaborated with 11 financial capability organizations to teach them how to apply behavioral insights to...
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Keeping the Paths to Credit Open in Mexico
What is the cost of making a late loan payment? If you’re like most people, you probably think of late fees. But there are also less visible, longer-term consequences that can have a serious impact on...
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Runaway Trains of Thought: How Boosting Cognitive Bandwidth Can Fight Poverty
This post originally appeared on NextBillion. Imagine you just received the news that you have a serious but treatable medical condition. What would you think about? Perhaps you would fear for your...
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From WIC to SNAP: Benefits Programs Go Farther with Behavioral Science
In the United States, more than 45 million people live below the poverty line, including one in five children who will experience its long-lasting effects. While public benefits programs meaningfully...
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What’s Stopping Chileans from Saving
Saving money is important not only for long-term needs like retirement but also for expenses in the short term. This is because incomes and expenses are not always constant, and people can’t...
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Financial Literacy Month…with a Behavioral Twist
As an unabashed finance nerd, I love a good tip about how to improve my financial health. I always look forward to April, Financial Literacy Month, for a flood of recommendations. Managing personal...
View ArticleBoost Savings in Chile: We’re Banking on Behavioral Science
Many of us are aware of the usefulness of “rainy day” savings—what we set aside for emergencies and other unforeseen expenses that creep up on us all. Those savings are in addition to those we...
View ArticleCBT 2.0: A Behavioral Approach to Reducing Recidivism Among Youth
Youth violence is one of the most pressing social problems facing cities across the United States. Unfortunately, once youth become involved with the criminal justice system, they can get caught...
View ArticleHow Technology Can Provide Microentrepreneurs With Simple – and Much-Needed –...
This post originally appeared on Next Billion. Norma has a small store in the Bago City neighborhood of central Philippines. In the packed interior of her store, Norma sells a variety of household...
View ArticleOne Year Later: Behavioral Design in the Mexican Retirement System
For millions of people around the world, the consequences of inadequate retirement savings are devastating. The problem is widespread even in countries with formal systems of mandatory contributions to...
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