How to Communicate the Nudge: A Real-World Policy Experiment

Oren Bar-Gill, Alma Cohen

Research output: Contribution to journalArticlepeer-review


Disclosure-based nudges are increasingly utilized by governments around the world to achieve policy goals related to health, safety, employment, environmental protection, retirement savings, debt, and more. Yet a critical aspect of these nudge-type policy interventions—the mode of communication—remains unexplored. We study the effects of the communication medium on debt collection procedures, using a policy experiment conducted in cooperation with the Israeli Ministry of Justice. Debtors often lack adequate information about the debt, the judgment, and the enforcement and collection procedures. As a result, the process of debt collection is often harmful to the debtor and ineffective in securing repayment. We manipulate the choice of medium—telephone, regular mail, text message, and video message—holding fixed the content of the communication. We find that digital communication strategies, in particular, communicating via text message, were the most cost-effective, significantly improving outcomes for both debtors and creditors.

Original languageEnglish
Pages (from-to)607-633
Number of pages27
JournalJournal of Law and Economics
Issue number3
StatePublished - Aug 2022
Externally publishedYes


FundersFunder number
Pinchas Sapir Center for Development
Tel Aviv University


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