Researchers partnered with a local bank to learn how customers chose between two account types—an account that had been offered for many years, which carried high monthly fees but no individual transaction costs, or a new type of account that charged for each withdrawal but did not impose monthly maintenance fees. Customers without an existing account recognized the advantages of the new type of account and overwhelmingly chose to open one, while many customers with the existing account type did not switch to the new one. However, of the existing customers, those who used their account more due to receiving a financial transfer in the past did switch to the new account type, suggesting that more experience using financial products can improve financial decision-making.

Researchers evaluated the impact of a financial literacy program for Filipino domestic workers based in Singapore on their financial knowledge, behavior, savings, and remittances. While there was no evidence that being invited to join the program had any impact on financial knowledge or behavior, program invitees reported reductions in self-reported savings, as well as more disagreements with family members over how to spend remittances. The program may have encouraged participants to seek more accurate information on household spending and saving.

Researchers studied the effects of a credit card interest rate increase among low-income subprime borrowers in the UK to assess its impact on credit card demand, overall indebtedness, and borrowers’ ability to pay. They found that following the rate hike, subprime borrowers who appeared to be more financially stable reduced their demand for new credit by 42 percent more than their counterparts who did not receive the rate increase. Overall, borrowers did not reduce their indebtedness and incurred higher interest charges, resulting in higher revenues for the lender and a larger debt burden for borrowers.

Researchers partnered with the Egyptian Center for Women’s Rights to evaluate the effect of educational social media and TV campaigns on women’s attitudes and behaviors around responding to GBV and IPV. The social media campaign increased women’s knowledge and use of resources, but had no impact on their underlying attitudes towards gender equality or gender-based violence.

Researchers conducted a randomized evaluation to test the impact of offering frequent HIV testing on rates of marriage and pregnancy. Offering high-frequency, opt-out HIV testing to young women and their partners changed beliefs of partner’s sexual safety, accelerated marriage, and increased the probability of pregnancy.

Researchers tested whether reminders delivered via text message improved knowledge and adoption of social distancing and handwashing. They found no evidence that individuals changed their self-reported behaviors; this finding may highlight limited effectiveness of SMS-based information campaigns after the initial phase of the pandemic.

Researchers worked with local banks and the state government of Madhya Pradesh to provide women with their own bank accounts, training on how to use them, and direct deposit of wages earned through the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) to measure the impact of increased financial control on women’s labor supply, their bargaining positions in their households, and community gender norms. Relative to just providing bank accounts, additionally providing training and direct deposits changed gender norms: women worked outside the home more, had greater financial agency, and were more likely to approve of women working .

In this study, researchers introduced report cards with child and school test scores to evaluate the impact on public and private schools’ cost, performance, and enrollment. The program reduced private school fees, improved test scores, and increased primary school enrollment.

In Colombia, researchers evaluated the impacts of a national computer distribution program (Computers for Education) on student test scores, time spent on learning, and attitudes towards education. The program had no effect on math or Spanish test scores, hours of study, or perceptions of school. Researchers found that, in practice, teachers only used the computers to teach computer usage skills, rather than the range of subjects for which they were intended.

Researchers found that providing microloans to purchase ITNs increased ownership and use. However, the impact of these microloans on health was mixed, likely due to insufficient coverage and low usage rates of bednets.

Researchers are evaluating the impact of a digital school fee loan, with and without a direct repayment incentive, on repayment rates, households’ well-being, and students’ educational outcomes.

In the Philippines, researchers conducted a randomized evaluation to measure the impact of an evangelical Protestant religious values and theology education program on individuals' economic and subjective wellbeing.