Financial Health

Cash Plus Behavioral Science Makes an Effective Anti-Poverty Tool Even Better for Beneficiaries

by ideas42

While the widespread adoption of cash transfer programs is a significant step in reducing global poverty, innovative solutions are needed to improve their efficiency. Since 2015, ideas42 and the World Bank have worked together to bring behavioral innovations to cash transfer programs. Most recently, we’ve been working with the governments of Kenya, Tanzania, and Madagascar […]

What’s It Like to Partner with a Behavioral Design Lab?

by Eva Matos and Emily Zimmerman

Over the past three years, ideas42 has collaborated with nine financial institutions across Mexico and Chile to leverage behavioral science to support their clients’ financial health—implementing 40 interventions for 440,000 study participants, and ultimately reaching over 21 million people. Supporting financial health around the world is one of the areas we focus our work to […]

Helping Small Business Owners Plan for their Financial Futures in Mexico

by Ariadna Vargas

Virginia owns a small business outside of Mexico City. Her brother, whom she cares for, suffers from a chronic health problem, so Virginia needs to have some cash available for covering expenses from sudden medical emergencies if they arise. Until recently, she maintained her savings with an informal community savings group, run by her neighbor, […]

Social Norms for Social Good: 3 Insights to Apply

by Liana Johnson

Social norms are a powerful tool for improving lives—they have helped people get healthier, save more money, and take positive environmental actions. While social norms sound simple—“tell people what others are doing and they’ll change their behavior!”—there are plenty of nuances to leveraging them for social good. Apply these three insights to optimize your social […]

Behavioral Science + Machine Learning = More Social Impact

by Rachel Rosenberg & Michael Stern

Imagine entering college for the first time. In addition to starting day one in a completely new environment, you have countless decisions to make within just a couple of weeks that will determine your path for the next two to four years: “What do I want to study?” “Which courses do I need to take?” […]

5 Impactful Behavioral Insights from 2018

by ideas42

A significant part of our work at ideas42 is learning, constantly, about people—how they make decisions and how their actions are impacted by the world around them. Through a deeper understanding about our often-quirky tendencies, we can more effectively design solutions that can positively impact the lives of millions of people. In this process, each […]

Bringing Behavioral Design to NYC Non-profits

by ideas42

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 people. Part of our mission is to dramatically expand the use of behavioral science as a problem-solving tool, and that’s why we’ve recently broadened our efforts to bring this approach to […]

‘Tis the Season for Americans to…Give to Charity?

by Sarah Welch

In 2014, 31% of annual charitable giving occurred in the month of December—and 12% in the last 3 days of the year. Why? There are many potential reasons. The traditional holiday season sparks generosity and a desire to help others. Some people make last-minute donations for tax purposes. And more recently, fundraisers’ giving campaigns are […]

The Path Forward to Increase Retirement Savings in Mexico

by Jaclyn Lefkowitz and Emily Zimmerman

A recent report by the World Economic Forum estimated that by 2050 the retirement savings gap may reach $400 trillion, leaving hundreds of millions of people at risk of poverty in old age. This problem is particularly acute in Mexico and across Latin America. Aging populations, low mandatory contribution rates, and large numbers of informal […]

Trick or Treat: Four Spooky (Because They’re Real) Behavioral Insights

by ideas42

If you’re getting yourself into the Halloween…spirit…by checking the back of closets and behind curtains for boogeymen, don’t forget to take a peek in the mirror. Sometimes we don’t find the eeriest things lurking in dark corners, but in the corners of our own minds. That’s right, studying behavior (and examining our own behavior) can […]

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