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The use of behavioural economics in public policy shows promise

2012-03-29 08:44:02

Free exchange

Nudge nudge, think think

Mar 24th 2012 | from the print edition

FREAKONOMICS was the book that made the public believe the dismal science has

something interesting to say about how people act in the real world. But Nudge

was the one that got policy wonks excited. The book, first published in 2008,

is about the potential for behavioural economics to improve the effectiveness

of government. Behavioural economists have found that all sorts of

psychological or neurological biases cause people to make choices that seem

contrary to their best interests. The idea of nudging is based on research that

shows it is possible to steer people towards better decisions by presenting

choices in different ways.

That theory is now being put to the test. One of the book s co-authors, Cass

Sunstein, has been recruited by Barack Obama to the White House. Richard

Thaler, the other co-author, has been advising policymakers in several

countries including Denmark, France and, above all, Britain, where David

Cameron has established a Behavioural Insights Team, nicknamed the Nudge Unit.

The Nudge Unit has been running dozens of experiments and the early results

have been promising*. In one trial, a letter sent to non-payers of vehicle

taxes was changed to use plainer English, along the line of pay your tax or

lose your car . In some cases the letter was further personalised by including

a photo of the car in question. The rewritten letter alone doubled the number

of people paying the tax; the rewrite with the photo tripled it.

Changes to language have had marked effects elsewhere, too. A study into the

teaching of technical drawing in French schools found that if the subject was

called geometry boys did better, but if it was called drawing girls did

equally well or better. Teachers are now being trained to use the appropriate

term.

Another set of trials in Britain focused on energy efficiency. Research into

why people did not take up financial incentives to reduce energy consumption by

insulating their homes found one possibility was the hassle of clearing out the

attic. A nudge was designed whereby insulation firms would offer to clear the

loft, dispose of unwanted items and return the rest after insulating it. This

example of what behavioural economists call goal substitution replacing lower

energy use with cleaning out the attic led to a threefold increase in take-up

of an insulation grant.

All this experimentation is yielding insights into which nudges give the

biggest shove. One question is whether nudges can be designed to harness

existing social norms. In Copenhagen Pelle Guldborg Hansen, founder of the

Danish Nudging Network, a non-profit organisation, tested two potential social

nudges in partnership with the local government, both using symbols to try to

influence choices. In one trial, green arrows pointing to stairs were put next

to railway-station escalators, in the hope of encouraging people to take the

healthier option. This had almost no effect. The other experiment had a series

of green footprints leading to rubbish bins. These signs reduced littering by

46% during a controlled experiment in which wrapped sweets were handed out.

There are no social norms about taking the stairs but there are about

littering, says Mr Hansen.

Differences in culture can have a big impact, too. Nudge described an example

in America, where telling high users of energy how their consumption compared

with that of their neighbours prompted them to use less. This approach is now

being tested in Britain. But hopes are low that it will work in France. The

French have a tendency not to comply as easily with perceived social norms the

way Anglo-Saxons would, says Olivier Oullier, a behavioural and brain

scientist who advises the French government. Telling someone in France that

their neighbour is using less electricity or saving more water is not

sufficient.

Bigger tests of nudge theory are in the works. Organ donation is one area. In

Denmark nudgers reckon that requiring members of the public to make a decision

on whether to donate when applying for a driving licence, say will forcibly

overcome an inclination to procrastinate over unpleasant choices. That, they

hope, would lead to many more people becoming organ donors. A bill to require

this is now before the Danish parliament.

Checking the box

Others focus on the role that inertia plays in decision-making, and the

tendency that people have to pick the default option in a range of choices. In

October new British legislation will change the default option for corporate

pension plans, so that employees are automatically enrolled unless they

actively choose to opt out. The hope is that this will significantly increase

retirement saving. Mr Obama has proposed something similar for America s 401(k)

retirement schemes, although this idea has gained little traction.

It remains to be seen how the most promising trials of nudge theory can be

scaled up. Critics of big government remain suspicious of nudging: Mr Sunstein

used a recent essay in the University of Chicago Law Review to endorse its less

inflammatory virtues of reducing the regulatory burden and increasing

government transparency. And not every policy works as planned: Mr Oullier

wants the European Union to test the anti-smoking warnings it puts on cigarette

packets, for instance, after research found that those who say they are most

shocked by the more graphic images were also those who most craved a smoke

after seeing them. But the initial signs are promising. If nothing else, the

nudge revolution encourages the use by government of plain language; favours

the design of policies that actually take account of real-world behaviour; and

allows the testing of ideas on a small scale before wider implementation. It

deserves to be pushed.

Sources

Empirically Informed Regulation by Cass R. Sunstein, The University of

Chicago Law Review

Applying behavioural insights to reduce fraud, error and debt by Behavioural

Insights Team, UK Cabinet Office

Behaviour Change and Energy Use by Behavioural Insights Team, UK Cabinet

Office

Better Choices: Better Deals by Behavioural Insights Team, UK Cabinet Office

Counter-stereotypic beliefs in math do not protect school girls from

stereotype threat by Pascal Hugueta and Isabelle R gnerb, Journal of

Experimental Social Psychology, July 2009

http://www.economist.com/blogs/freeexchange

from the print edition | Finance and economics