Do honesty‐nudges really work? A large‐scale field experiment in an insurance context

Businesses want their customers to self-report information honestly. One increasingly popular way stimulate desired behavior is by using nudge interventions. But can be nudged more honestly? This currently a debate in the literature, where empirical results are inconclusive. Building on related literature nudges, we add this with controlled field experiment (N = 5704). We used data from actual making real decisions when they file claims online large Nordic insurance provider. To best of our knowledge, first study investigate effects honesty-nudges self-reported filing experiment. designed and tested three customers: (1) signing-at-the-beginning, (2) descriptive social norm message, (3) solidarity message. Across five outcome measures, found that honesty-nudges, standalone or any possible combination, do not have significant reducing indicators fraud. interestingly, all treatment groups significantly characters describe losses than control group. Also, post hoc analyses, signs direction varies across customers' age customer loyalty.