New BIT report on reducing fraud, error and debt

A new Behavioural Insight Team report came out this month, looking at "Applying behavioural insights to reduce fraud, error and debt". Fraud, error and debt cost the UK economy nearly £40 billion each year. Yet the vast majority of the public do not consciously commit fraud or avoid paying debts, most is down to inertia and procrastination.

The paper is divided into two sections

one looking at the academic findings for this area.
The second looks at eight trials set up across the UK in different areas of government, emphasising a 'test, learn, adapt' approach, collecting reliable, accurate field data to understand the effectiveness of different BE interventions.

Quite a few of the trials have been promising so far. Trial 5 - which involves personalised, named text messages to encourage people to pay court fines - has shown initial success. Final results are out later this Spring. Another trial still underway is one with the DVLA, which is using better-worded letters and images of the car caught on camera to encourage people to pay their road tax (observer effect and saliency). The letters also use loss aversion with wording like "Pay your tax or lose your [make of car]". Preliminary results are promising.

Article Categories

/Case Studies

Optimising regulatory communications using AI tools

A major global e-commerce marketplace wanted to use a Behavioural Science lens to optimise regulatory communications to sellers, thereby increasing adherence and minimising disruption to both customers and sellers.

Building behavioural science capability for a major insurer

A leading life and general insurance company wanted to build Behavioural Science capability within user experience design, development and execution.

Building BeSci capability for a leading retail UK financial services brand

The FCA’s consumer duty requires financial services firms to put themselves in the customer’s shoes, accounting for behavioural biases and vulnerabilities. Our client asked TBA to develop a BeSci framework and training module to support the end-to-end product/service lifecycle.

Our clients include leading global brands, governments and NGOs.

Learn more

/

/Our Articles

/Brand Strategy

/Innovation

/Our Offer

/Who We Are

/Our Clients

/Behaviour Change

/What We Do

/Our Awards

/Comms Development & Optimisation

/Customer Journeys & CX Optimisation

/Behavioural Science Training & Upskilling

/Our Work

/Behavioural Science

/Our News

/Contact Us

/Terms & Conditions

/Jobs

/Privacy

/UK Participant Privacy

/Login

/Our AI Tools

/Our Publications

/Our Articles

Sweating the small stuff in direct mail marketing

Building the innovation pipeline for a global snacks brand

Unlocking growth for an iconic drinks brand

Encouraging people to both give and take The Big Issue

Using behavioural economics to nudge paid app subscriptions

Improving public safety with e-bikes

Leveraging latent love for a global spirits brand

Optimising current account on-boarding communications

Network Outage Experience Design

Re-shaping the digital self-service ecosystem for a telco company

Repositioning and restaging a healthier snacking brand

Unboxing and set-up experience of a Wi-fi Booster

Unlocking new ways to tackle apathy in oral care

Starting a global revolution in oral healthcare

Getting more people swimming

Decoding Decisions: Understanding the 'messy middle'

Switching from single use coffee cups with reusable ones

Increasing the number of driver sign-ups by optimising the earner funnel

Greening our Cities

Decoding decision drivers for healthier snacking brands

Optimising the path to purchase for buying vinyl and merchandise

Encouraging adoption of AI within healthcare diagnostics

Defining jobs to be done for a broadband proposition

Exceeding US launch targets in Atopic Dermatitis

Unlocking UK Adoption of a Type 2 Diabetes Therapy

Driving Patient & Pharmacist Behaviour Change in Pain Management

Overcoming Prescribing Inertia to Outperform Competitors

Reframing a symbol of comfort as harmful pollution

Unlocking mid-week meals: The biggest barrier to innovation can simply be existing habits

Building BeSci capability for a leading grocery retailer

Building BeSci capability for a leading retail UK financial services brand

Building behavioural science capability for a major insurer

Optimising regulatory communications using AI tools

What We Do

Behavioural Science

/Case Studies

Optimising regulatory communications using AI tools

Tags

Building behavioural science capability for a major insurer

Tags

Building BeSci capability for a leading retail UK financial services brand

Tags

Our clients include leading global brands, governments and NGOs.