) offered smokers a savings account in which they deposit funds for six months, after which they take a urine test for nicotine …

) offered smokers a savings account in which they deposit funds for six months, after which they take a urine test for nicotine …

) offered smokers a savings account in which they deposit funds for six months, after which they take a urine test for nicotine …

A large fraction of households have very little savings buffer and are therefore vulnerable to financial shocks. This … link to a personal web page where they can start or adjust an automatic savings plan. However, analyzing detailed bank data …, we find no treatment effect on actual savings, neither in the short run nor in the long run. Our null findings are quite …

A large fraction of households have very little savings buffer and are therefore vulnerable to financial shocks. We … increases intended savings. In line with this, we find in our field experiment that households who are exposed to the social … norm nudge click more often on a link to a personal webpage where they can start or adjust an automatic savings plan …

a savings account in which they deposit funds for six months, after which they take a urine test for nicotine and …