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  • Person

Heng Hwee Koh

Heng Hwee is a Senior Advisor in the Singapore office working on a range of issues including inequality, sustainability, and international development. Her particular focus is on applying behavioural insights to digital behaviours. Before joining BIT, Heng Hwee worked with the Institute of Policy Studies to investigate socio-geographical differences in…
  • Person

Eva Kolker

Eva is a Principal Advisor and the Head of Consumers and Business Markets at BIT. She leads the organisation's work in digital markets, business productivity, and consumer protection. She joined BIT in 2018 and is based in BIT's Manchester office. Eva has a business and economics background and is fluent…
  • Report
  • 1st Oct 2018

Can behavioural insights be used to reduce risky play in online environments?

The rise of online gambling means that placing a bet is only ever a few clicks away. This increased accessibility has been a boon for the majority of gamblers who play safely. However, for those that are negatively affected by gambling, increased accessibility poses a risk of financial, social or…
  • Blog
  • 9th Oct 2018

Reducing rent arrears in social housing

BIT has been working with Metropolitan1, a housing association with approximately 40,000 properties, mainly in East Midlands, East Anglia and London since early 2017. Rent arrears are a challenge for Metropolitan - as they are for many social landlords - with around 15-20% of Metropolitan customers in arrears at any one time.…
  • Blog
  • 15th Nov 2018

Monzo and the Financial Capability Lab: a new partnership to help people manage their spending

Support for the one in four Britons who are 'financially squeezed'
  • Blog
  • 18th Dec 2018

The Loyalty Penalty: why do disengaged customers pay more for essential services?

Imagine you’re thinking about whether to switch your broadband provider. You’ve seen various offers advertised, and reckon you could save money.
  • Blog
  • 19th Dec 2018

How can we end the Loyalty Penalty?

The Competition and Markets Authority (CMA) has this week recommended 8 reforms to tackle the loyalty penalty across five essential markets – savings accounts, home insurance, broadband, mobile, and mortgages – in response to the ‘super-complaint’ Citizens Advice submitted on this issue. Here are our recommendations.  
  • Report
  • 24th Jan 2019

The Behavioural Insights Team Annual Update Report 2017-18

Latest results from the team, covering issues from healthcare to humanitarian aid.
  • Case study
  • 24th Jan 2019

Encouraging consumers to switch to better energy deals

Energy markets around the world have increasingly been opened up to competition, but many consumers remain disengaged and continue to pay significantly over the odds for their energy.
  • Report
  • 28th Feb 2019

Testing behaviourally-informed messaging to increase rates of contact between mortgage lenders and customers facing arrears

A report for the Department for Communities, Northern Ireland