Intervention Design

Designing for behavior change is a little like designing a rocket ship, you want to reduce friction while you also boost energy.

Once we have a good understanding of the decision environment, we look for touch points and opportunities to apply behavioral insights. Sometimes these solutions are small tweaks to a partners existing service or product, and sometimes these solutions are brand new products or services to meet an existing need.


how to improve behavior - make small tweaks
Making Small Tweaks

Sometimes, all that is needed to improve behavior is a small change in language, adding a deadline, or simplifyinga form. These interventions are enerallylow-cost with moderate impact, but easy to test, replicate, and scale.

undesired behavior large effects on savings
Changing Defaults

People tend to stick with the status quo. Sometimes our interventions deal with changing or interrupting a default, if it’s leading to an undesired behavior. We’ve found that changing defaults around account opening and savings contributions can have large effects on savings.

Building behavioral prototypes
Building Prototypes

Sometimes we decide that the best way to address a behavior is through a more intensive process of building a new product or service, with or without a partner. This can be designing a new platform, creating a newtype of account, or instituting a new text-messaging technology.


met life foundation

MetLife Foundation believes that everyone should have access to the right financial toolds and services to build a better tomorrow. The Foundations mission of financial inclusion focuses on increasing low-income families’ readiness, willingness and ability to engage with the financial sector, in advancing the delivery of high-quality financial products and services, and in investing in research and learning with the view of benefiting those who need it most.

common cents lab logo

Common Cents leverages research and insights gleaned from behavioral science to create interventions that lead to positive financial behaviors and
improved outcomes for low- to moderate-income households in the United States

We have two offices: Durham, NC and San Francisco, CA.