Publications in: Public Policy

Pre-contractual Information in Retail Energy Markets – Experimental Consumer Research – October 2018

Sector:Consumer behaviour and protection
Client:ec-dg-justice-consumers
Published: November, 2018
Document type:Report

The European Commission commissioned LE Europe, Deloitte and Ipsos to study pre-contractual information in retail energy markets. The study used desk research, stakeholder consultations, a consumer survey and a behavioural experiment to understand consumers’ decision-making, attitudes and switching behaviour, and how to improve clarity and comparability in energy prices, consumption and contractual information. The study […]

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Online Market Segmentation – Experimental Consumer Research and Economic Valuation – August 2018

Sector:Consumer behaviour and protection
Client:ec-dg-justice-consumers
Published: September, 2018
Document type:Report

The European Commission commissioned LE Europe, Deloitte and Ipsos to study online personalised pricing and offers and targeted advertising. The study used desk research, stakeholder consultations, mystery shopping, a consumer survey and a behavioural experiment to understand how e-commerce websites use consumers’ personal information, and consumers’ attitudes and behaviour when faced with personalisation online. The […]

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Using Behavioural Science to Drive Behaviour Change in Reducing Risks of STIs – March 2018

Sector:Social care - health interface
Published: March, 2018
Document type:Presentation

Dr Annette Cerulli-Harms spoke at the Public Policy Exchange conference on Student Sexual Health and Well Being on March 8th 2018 about how behavioural economics can be used to change the way we speak about sexual health. Annette explained the relevance of behavioural economics and cognitive biases in the area of public health including sexual […]

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Single Digital Gateway: How EU Could Meet Expectations of Citizens and Businesses? – March 2018

Sector:Consumer protection
Client:european-commission
Published: March, 2018
Document type:Briefing

A briefing by Dr Charlotte Duke for the European Commission on behalf of the Internal Market and Consumer Protection Committee on the European Commission’s proposed regulation for a Single Digital Gateway.

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Study on Consumers’ Decision-making in Insurance Services: A Behavioural Economics Perspective – November 2017

Sector:NGOs and consumer advocacy
Client:ec-dg-justice-consumers
Published: November, 2017
Document type:

This study focused on consumers’ decision-making in the non-life insurance market when purchasing domestically and cross-border. It tested ways to help consumers make better decisions using a behavioural experiment, collected complementary data on the supply side of the market, and examined potential savings consumers could make.

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IPID Consumer Testing and Design Work – August 2016

Sector:Consumer behaviour and protection
Client:ipid-consumer-testing-design-work-august-2016
Published: August, 2016
Document type:Report

EIOPA commissioned a consortium consisting of LE Europe, Ipsos MORI and Academy Design Partners to undertake consumer testing on the design of a standardised presentation format of an Insurance Product Information Document (IPID). The findings of the consumer testing, as presented in this report, were intended to assist EIOPA to reach a view on the […]

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Understanding Consumer Vulnerability in the EU’s Key Markets – February 2016

Sector:Justice and Legal Affairs
Client:understanding-consumer-vulnerability-in-the-eus-key-markets-february-2016
Published: February, 2016
Document type:Report

This study for the European Commission provides a new definition of vulnerable consumers, a new methodology for measuring consumer vulnerability and new insights into the actual patterns of consumer vulnerability. The large scale study employed stakeholder consultations, consumer surveys, focus groups and behavioural experiments across the EU28 plus Iceland and Norway

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Smart Single Market Regulation – September 2015

Sector:Regulatory economics
Client:European Parliament
Published: September, 2015
Document type:Report

This study proposes a consolidated governance system that would serve as a tool for smart Single Market regulation toward 2020 and beyond. It outlines areas for improvement in Single Market regulation through the adoption of performance-based policy concepts; and reviews the scope for making better use of the Single Market governance tools to improve the […]

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Study on the Coverage, Functioning and Consumer Use of Comparison Tools and Third-party Verification Schemes for Such Tools – March 2015

Sector:Regulators and government
Client:european-commission-executive-agengy-for-health-and-consumers-eahc
Published: March, 2015
Document type:Report

The European Commission has published the study on consumers’ use of comparison tools. As part of the study LE Europe completed a behavioural experiment in 15 EU countries that investigated consumer understanding and use comparison tools. The study forms part of the evidence base used by the Commission to develop, together with stakeholders, a series […]

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Consumer Protection Aspects of Financial Services

Sector:Consumer Finance
Client:European Parliament
Published: February, 2014
Document type:Report

The financial crisis of 2007/2008 has clearly shown that inadequate consumer protection, especially in the US mortgage market, was a major contributor to financial instability. Moreover, many holders of sub-prime mortgages suffered considerable harm as a result of mis-selling or inappropriate selling. However, the USA is not the only country where weak consumer protection resulted […]

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