Field experiment with Nantong Rural Commercial Bank on mobile banking

In the summer of 2018, Dr Xiaohui Bao from University of Cambridge, have cooperated with Nantong Rural Commercial Bank (hereinafter NRCB) in Nantong City, Jiangsu Province, to conduct field experiment and survey for a research project entitled “Nudging Towards a Better Financial Future: Applying Behavioural Insights in the Development of Financial Systems in Rural China”, which is funded by the National Natural Science Foundation of China and the UK Economic and Social Research Council.

The purposes were 1) to collect information on the use of mobile banking services; 2) through experiments from the perspective of behavioural science, to apply Nudge tools to encourage customers to actively use mobile banking; and 3) to provide support to making decision on the promotion and improvement of mobile banking services.

The field experiment is a big success with close cooperation of senior managers and staffs of NRCB.

江苏南通农村商业银行股份有限公司关于手机银行的田野实验调查

英国剑桥大学土地经济系包晓辉教授研究团队于2018年暑期在江苏南通农村商业银行股份有限公司(以下简称“南通农商行”)合作开展由中国国家自然科学基金委员会与英国经济与社会研究理事会资助的研究项目‘助推迈向更好的未来：行为经济学在中国农村金融系统发展中的应用’的田野实验调查。调研的目的是收集客户使用手机银行服务的信息，并通过行为科学实验检验如何利用“助推”工具鼓励客户积极使用手机银行，为推广和改善手机银行服务做出决策支持。在南通农商银行行领导和相关员工的积极支持和紧密配合下，此次田野实验调查获得了巨大的成功。