Publications in: Public Policy

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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General Insurance Add-ons: Experimental Consumer Research Report

Sector:Consumer behaviour and protection
Client:Financial Conduct Authority
Published: March, 2014
Document type:Report

Behavioural experiment by LE Europe which formed part of the FCA’s Add-on Insurance Market Study. The experiment with 1,500 UK residents tested for common patterns of consumer behaviour that arise due to add-on insurance mechanisms and assessed how insurance add-ons may lead to poor outcomes for consumers in these markets.

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Financial Conduct Authority Practical Use of Behavioural Experiments in Financial Regulation – March 2014

Sector:Pricing
Client:Financial Conduct Authority
Published: March, 2014
Document type:

The Financial Conduct Authority finds that behavioural experiments have an important role to play in financial regulation, and often provide insights into the ways markets work that may not be possible otherwise. Download the paper on the practical application of behavioural experiments in financial regulation jointly authored by LE Europe and the FCA.

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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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Voluntary Food Labelling Schemes Study

Sector:Consumer protection
Client:EC DG SANCO
Published: January, 2014
Document type:Report

This market study for the European Commission included a pan-European behavioural experiment to test consumer willingness to pay for products associated with voluntary food labelling schemes. The study also included a web sweep of voluntary food labelling scheme in Europe, a consumer survey and assessment of schemes performance with the requirements of the 2010 Commission […]

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2012/2013 Annual Report on European SMEs

Sector:Productivity, Innovation and New Economy
Client:EC DG Enterprise and Industry
Published: November, 2013
Document type:Report

The 2012/13 report on European SMEs was prepared by a consortium comprising CARSA, DIW, DIW econ, Innova, LE Europe, Manchester Institute of Innovation Research (University of Manchester) and PwC Luxembourg. The report provides an overview of the size, structure and importance of SMEs to the European economy and their contribution to growth and jobs, as emphasised in the Small […]

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Lotteries in Europe

Sector:Consumer behaviour and protection
Published: November, 2013
Document type:Presentation

2013 EL Sustainable Gambling Conference, Sports Integrity in Europe and the Role of Lotteries, 12 November 2013 – Brussels.

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Lotteries in Europe

Sector:Consumer behaviour and protection
Client:European Lotteries
Published: November, 2013
Document type:Report

The note published by European Lotteries first describes recent EU27 trends in the value of the sales of lottery products  and gross gambling revenue (the value of the sales of lottery products and prizes paid to buyers of such lottery products). Next it underlines the significant contribution of lotteries to society in terms of taxes […]

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