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- Blog
- 5th Oct 2022
Investors are stuck between climate commitments and action
Many financial institutions have announced major climate commitments. Are they real shifts or just empty claims to capitalise on greener consumer preferences?
- Blog
- 28th Sep 2022
Supporting employees to save via Credit Unions in Northern Ireland
Payroll saving schemes can help people struggling to save but they are only offered by about 3% of UK employers with over 100 employees and take-up rates are in the single digits.
- Blog
- 24th Aug 2022
Supporting households through the cost of living crisis
Inflation is running at a 40 year high and the Bank of England forecasts that the UK will enter a recession by the end of the year. Many people across the country are facing enormous pressure, which is only mounting. Tackling this will be a huge policy challenge over the…
- Blog
- 23rd Aug 2022
How to apply behavioural insights to meet the FCA’s Consumer Duty
In July 2022, the FCA published its long-awaited policy statement and guidance on the Consumer Duty. As we wrote in our previous blog on the Consumer Duty, in a clear break from past regulation, it requires firms to put rigorous evidence on consumer behaviour at the heart of what they…
- Blog
- 14th Jul 2022
Combating panic buying with behavioural insights
Some of the memorable images of the COVID-19 pandemic were pictures of empty shelves in supermarkets, as shoppers panic bought in response to public health restrictions. Here in Australia, we’ve seen the country go in and out of major restrictions over the past couple of years, with panic buying occurring…
- Blog
- 7th Jul 2022
How your Employer can help you save for a rainy day, month or year
The Money and Pensions Service (MaPS) estimates that 11.5 million people in the UK have less than £100 in savings, leaving them incapable of withstanding financial shocks such as unexpected health issues or house repairs. Unfortunately, with inflation approaching an all time high and the cost of living soaring, it…
- Blog
- 6th Jul 2022
Three ways gambling websites could be harming their customers
The gambling industry has long embraced behavioural science. Think of the ways casinos are designed to attract customers and keep them betting. You enter and immediately see eye-catching slot machines. There are flashing lights and the sound of games being won, you can feel the energy. There are no clocks or…
- Blog
- 29th Jun 2022
Defaulting deposits, limiting harm
As other initiatives and tools to reduce and prevent gambling harm are under consideration, implementing default deposit limits across platforms can have a positive impact right away
- Blog
- 15th Jun 2022
Can banking institutions use prize draws to help customers save money?
To help people save more of their money, banks, building societies and credit unions have launched accounts in recent years known as prize-linked savings accounts. These accounts represent an innovative approach that enters savers into a periodic cash prize-draw if they save regularly. They can be a powerful tool to…
- Blog
- 19th May 2022
Different frames, fewer games: how betting behaviour is shaped by the way odds information is presented
Imagine you’re deciding to place a bet at a casino. Before putting your money down, you’d probably like to know your chances of winning. You spot some information explaining the odds – “the theoretical average return to player for this game is 93%” – however, the jargon and percentage make…