women. Here, using a randomized controlled trial, we examine whether access to an individually-held commitment savings …

We designed a commitment savings product for a Philippine bank and implemented it using a randomized control … of a bank. One month later, we offered the commitment product to a randomly chosen subset of 710 clients; 202 (28 … for commitment, were indeed significantly more likely to open the commitment savings account. After twelve months, average …

Commitment devices for savings could benefit those with self-control as well as familial or spousal control issues. We … find evidence to support both motivations. We examine the impact of a commitment savings product in the Philippines on …