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Researchers conducted two randomized evaluations in India in which they identified effective individuals for information sharing ("gossips") through word-of-mouth. They found that information was disseminated more widely when shared by individuals nominated by others in their community, rather than...

Researchers evaluated the impact of a US$1,000 monthly unconditional cash transfer to individuals with low incomes for three years on health outcomes including nutrition, sleep, health care access and use, and physical and mental health. Those who received the large cash transfer spent more on...

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...

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...

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...

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.