提醒邮件能迫使美国人存钱吗?一项200万人的大型研究。

IF 3.8 Q2 MULTIDISCIPLINARY SCIENCES
Katherine L Milkman, Sean F Ellis, Dena M Gromet, Isabella M DeMay, Heather N Graci, Youngwoo Jung, Rayyan S Mobarak, Ramon A Silvera Zumaran, Mia N Simmons, Christophe Van den Bulte, Shlomo Benartzi, Matthew Hilchey, Laura Goodyear, Dean Karlan, Nina Mazar, Daniel Mochon, Avni M Shah, Dilip Soman, Jonathan Zinman, Angela L Duckworth
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引用次数: 0

摘要

在美国,24%的成年人没有存款,39%的人存款不足一个月的收入。我们展示了一项大型研究的结果,在这项研究中,一家美国银行的近200万客户被随机分配到七个不同的为期两个月的电子邮件活动中,每个活动都采用不同的行为科学见解来推动一次性和经常性储蓄存款并增加储蓄余额,或者没有此类信息的控制条件。这些活动平均增加了一次性储蓄存款的可能性0.05个百分点(比对照组增加了0.51%)。表现最好的活动每周向客户发送不同的信息,这取决于最近的储蓄行为:向上周没有储蓄账户存款的客户发送的信息包括一个简单的储蓄提醒,而向上周有储蓄账户存款的客户发送的信息则祝贺这一成就。这个表现最好的活动使客户每月进行一次性储蓄存款的可能性提高了0.13个百分点(增加了1.32%)。我们估计,如果将这项为期2个月的活动推广到我们的大型研究人群中的每个人,将会节省额外的6,123,996美元至9,910,090美元。总之,我们的研究结果强调,在美国,轻触式、频繁的电子邮件推送可以经济有效地创造储蓄存款的小幅增长。理想情况下,为了产生有意义的利益,行为科学的见解将被纳入金融机构设计的更广泛的沟通和激励措施中。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Can reminder emails compel Americans to save? A two-million-person megastudy.

In the United States, 24% of adults have no savings and 39% have less than a month of income saved. We present results from a megastudy where nearly 2 million customers of a US bank were randomly assigned to receive one of seven different 2-month email campaigns, each employing a different behavioral science insight to nudge one-time and recurring savings deposits and increase savings balances or to a control condition without such messages. These campaigns increased the probability of making a one-time savings deposit, on average, by 0.05 percentage points (a 0.51% increase over control). The best-performing campaign delivered weekly messages to customers that differed depending on recent savings behavior: messages to customers who had not made a savings account deposit in the last week included a simple reminder to save, while those to customers who had made a savings account deposit in the prior week were congratulated on this accomplishment. This top-performing campaign increased the monthly likelihood that a customer made a one-time savings deposit by 0.13 percentage points (a 1.32% increase). We estimate that rolling this 2-month campaign out to everyone in our megastudy population would have led to an extra $6,123,996 to $9,910,090 in savings. Together, our findings highlight that light-touch, frequent email nudges can cost-effectively create small increases in savings deposits in the United States. Ideally, to generate meaningful benefits, behavioral science insights would be incorporated into a wider range of communications and incentives designed by financial institutions.

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