Archivio per 5 giugno 2014

05
Giu
14

Nudging Taxpayers to Do the Right Thing

See on Scoop.itBounded Rationality and Beyond

Most Americans comply with the tax laws, but every year many of our fellow citizens don’t. The result is the “tax gap” – the amount of revenue that the government loses because people are cheating. In one recent year, for example, the tax gap was $450 billion. That’s a lot of money – more than 10 times the budget of the State Department.

What can be done to increase compliance? Remarkably, a short letter to delinquent taxpayers – based on the findings of behavioral science – can have large effects. And the central lesson is simple: When tax delinquents are told that most people pay their taxes on time, they are far more likely to pay up. It’s a nudge that can really work.

An important new study from the U.K. confirms the point. The study’s lead author is Michael Hallsworth, a doctoral candidate at Imperial College London and an adviser to the U.K.’s Behavioural Insights Team. (Richard Thaler, my co-author of the book “Nudge,” is an adviser to the Behavioural Insights Team.) 

In the first of two careful experiments, Hallsworth and his colleagues sent letters to more than 100,000 citizens in 2011. All of the letters noted that the recipients had not yet made correct tax payments, but there were different versions of what followed that reminder. The first said: “Nine out of ten people pay their taxes on time.” The second version said: “Nine out of ten people in the UK pay their taxes on time.”

The third said: “Nine out of ten people in the UK pay their taxes on time. You are currently in the very small minority of people who have not paid us yet.” The fourth did not refer to social norms, but added this sentence: “Paying tax means we all gain from vital public services" such as the National Health Service, roads and schools.

See on bloombergview.com

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05
Giu
14

Nudging Taxpayers to Do the Right Thing

See on Scoop.itBounded Rationality and Beyond

Most Americans comply with the tax laws, but every year many of our fellow citizens don’t. The result is the “tax gap” — the amount of revenue that the government loses because people are cheating. In one recent year, for example, the tax gap was $450 billion. That’s a lot of money — more than 10 times the budget of the State Department.

What can be done to increase compliance? Remarkably, a short letter to delinquent taxpayers — based on the findings of behavioral science — can have large effects. And the central lesson is simple: When tax delinquents are told that most people pay their taxes on time, they are far more likely to pay up. It’s a nudge that can really work.

An important new study from the U.K. confirms the point. The study’s lead author is Michael Hallsworth, a doctoral candidate at Imperial College London and an adviser to the U.K.’s Behavioural Insights Team. (Richard Thaler, my co-author of the book “Nudge,” is an adviser to the Behavioural Insights Team.) 

In the first of two careful experiments, Hallsworth and his colleagues sent letters to more than 100,000 citizens in 2011. All of the letters noted that the recipients had not yet made correct tax payments, but there were different versions of what followed that reminder. The first said: “Nine out of ten people pay their taxes on time.” The second version said: “Nine out of ten people in the UK pay their taxes on time.”

The third said: “Nine out of ten people in the UK pay their taxes on time. You are currently in the very small minority of people who have not paid us yet.” The fourth did not refer to social norms, but added this sentence: “Paying tax means we all gain from vital public services” such as the National Health Service, roads and schools.

See on www.bloombergview.com

05
Giu
14

Applying Behavioural Insights to Charitable Giving | The Behavioural Insights Team

See on Scoop.itBounded Rationality and Beyond

Research from the Behavioural Insights Team, or Nudge Unit, shows how charity donations can be increased by using behavioural sciences.
See on behaviouralinsights.co.uk

05
Giu
14

Applying Behavioural Insights to Charitable Giving | The Behavioural Insights Team

See on Scoop.itBounded Rationality and Beyond

Research from the Behavioural Insights Team, or Nudge Unit, shows how charity donations can be increased by using behavioural sciences.
See on behaviouralinsights.co.uk

05
Giu
14

Businesses get creative with consumer data at the ‘midata’ Innovation Lab launch – Press releases – GOV.UK

See on Scoop.itBounded Rationality and Beyond

Businesses have taken up the challenge to create new digital apps using real consumer data as the ‘midata’ Innovation Lab is now open. Leading businesses have taken up the challenge to create new digital apps using real consumer data as the ‘midata’ Innovation Lab is now open, announced Consumer Minister Jo Swinson. For the first time the lab is collecting real customer data from 1,000 volunteer consumers, and is inviting businesses to access a computer enabled lab with the help of business and the Open Data Institute. So far ‘midata’, has been working with industry to make sure that consumers can access their data – from utility to phone bills – in an accessible format. The lab is taking this one step forward and has created a unique environment where businesses and expert organisations work collaboratively together to learn how to empower and protect consumers as well as looking at ways to unlock the innovation that will use this data to create apps. Businesses that have signed up to use the Lab so far include Telefonica, BBC, Moneysupermarket.com, npower, Grapple and Which?.

See on www.gov.uk

05
Giu
14

Businesses get creative with consumer data at the ‘midata’ Innovation Lab launch – Press releases – GOV.UK

See on Scoop.itBounded Rationality and Beyond

Businesses have taken up the challenge to create new digital apps using real consumer data as the ‘midata’ Innovation Lab is now open. Leading businesses have taken up the challenge to create new digital apps using real consumer data as the ‘midata’ Innovation Lab is now open, announced Consumer Minister Jo Swinson. For the first time the lab is collecting real customer data from 1,000 volunteer consumers, and is inviting businesses to access a computer enabled lab with the help of business and the Open Data Institute. So far ‘midata’, has been working with industry to make sure that consumers can access their data – from utility to phone bills – in an accessible format. The lab is taking this one step forward and has created a unique environment where businesses and expert organisations work collaboratively together to learn how to empower and protect consumers as well as looking at ways to unlock the innovation that will use this data to create apps. Businesses that have signed up to use the Lab so far include Telefonica, BBC, Moneysupermarket.com, npower, Grapple and Which?.

See on gov.uk

05
Giu
14

The battle between your present and future self – Daniel Goldstein

See on Scoop.itBounded Rationality and Beyond

Every day, we make decisions that have good or bad consequences for our future selves. (Can I skip flossing just this one time?) Daniel Goldstein makes tools that help us imagine ourselves over time, so that we make smart choices for Future Us.Your decisions today are going to determine its well-being. And that’s something that’s easy to forget.This use of virtual reality is not just good for making people look older. There are programs you can getto see how people might look if they smoke, if they get too much exposure to the sun, if they gain weight and so on. And what’s good is, unlike in the experiments that Hal and myself ran with Russ Smith, you don’t have to program these by yourself in order to see the virtual reality. There are applications you can get on smartphones for just a few dollars that do the same thing. This is actually a picture of Hal, my coauthor. You might recognize him from the previous demos. And just for kicks we ran his picture through the balding, aging and weight gain software to see how he would look. Hal is here, so I think we owe it to him as well as yourself to disabuse you of that last image. And I’ll close it there

See on ted.com




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