"Gender equality is a moral and a business imperative. But unconscious bias holds us back and de-biasing minds has proven to be difficult and expensive. Behavioral design offers a new solution. Iris Bohnet shows that by de-biasing organizations instead of individuals, we can make smart changes...

In this report JPMorgan Chase Institute assembled a de-identified sample of 160,000 regular Chase customers who received unemployment insurance (UI) between 2014 and 2016 across 18 states to evaluate the role that UI plays in mitigating the financial impacts of job loss. Our results show that UI...

In this report the JPMorgan Chase Institute leverages de-identified administrative data on Chase customers between October 2012 and September 2015 to describe the key sources of income volatility among U.S. individuals and the size and growth of the Online Platform Economy. Our findings on...

In this report the JPMorgan Chase Institute examines administrative data on the everyday spending behavior of a random, de-identified sample of one million core Chase customers across 23 states to quantify the impact of an entire year of lower gas prices in 2015. First, we show that...

In this report the JPMorgan Chase Institute assembled one of the largest samples of participants in the Online Platform Economy to date: over 240,000 de-identified individuals who earned income between October 2012 and June 2016 from one or more of 42 different platforms. Our findings point to...

We study the consumption response to typical labor income shocks and investigate how these vary by wealth and race. First, we estimate the elasticity of consumption with respect to income using an instrument based on firm-wide changes in monthly pay. While much of the consumption-smoothing...