Applied research

Applied research

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Tryg: Behavioral economics and insurance

FIT RESEARCHERS: Hallgeir SJåstad, Kjetil Bjorvatn & MATHIAS PHILIP EKSTRÖM.
Project duration: 2019-2020

The project is a collaboration with the insurance company Tryg on fraudulent behavior. The project involves both an online experiment as well as a field experiment and evaluates the extent of fraudulent behavior in the population as a whole and investigates how to minimize such behavior among Tryg’s own customers through communication-nudges.

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NAV (Norwegian Labor and Welfare Administration): Plans and reminders

FIT RESEARCHERS: ARMANDO GARCIA PIRES, Hallgeir SJåstad, JULIAN VEDELER JOHNSEN, Kjetil Bjorvatn & MATHIAS PHILIP EKSTRÖM.
Project duration: 2017-2019

Can unemployed youth be nudged to work and education by formulating their own plan about how to organize their life and reminders about this plan? In collaboration with the regional division of NAV (Hordaland), we carry out a field experiment with 740 individuals, where the treatment groups are invited to reflect upon their current situation and make plans about sleep, exercise and alcohol intake.
Key lesson: The plan works!

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Telenor: Fairness and privacy in personalized offerings

FIT RESEARCHERS: Hallgeir SJåstad, Kjetil Bjorvatn & MATHIAS PHILIP EKSTRÖM.
Project duration: 2019-2021

Personalized offerings will be an important strategy for attracting customers in the coming years. A key question is how firms can use information about individual customers in order to tailor their offers to personal characteristics. Despite its pivotal role in business development, little is known about how costumers perceive personalized offers and how personalization can be used most effectively. This project aims to reduce this knowledge gap by conducting ground-breaking experimental research on the perceived fairness of personalized offerings and costumers’ views on privacy. 

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Sbanken: Nudge for financial consolidation

FIT RESEARCHERS: Kjetil Bjorvatn & Roos timmermans
Project duration: 2018-2019

This project is a collaboration with the leading Norwegian on-line bank Sbanken on refinancing of consumer loans. It is designed as a large-scale field experiment involving more than 40 000 of Sbanken’s own customers, where we investigate the impact of communication-nudges on financial decisions. 
Key lessons: Keep it simple!

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