Financial Behaviors Financial Inclusion Report

Refund to Savings (R2S): Insight From the Field, 2012

The Refund to Savings Initiative (R2S) gathered data from three data streams that are involved in the randomized control trial experiment to evaluate the impact of the R2S intervention and inform the design of future innovations to building savings. The preliminary findings from the field indicate that the frequency and amount of saving at tax time can be increased through behavioral economic techniques.

Project: Refund to Savings (R2S)


Holub, K., Grinstein-Weiss, M., Key, C., & Ariely, D. (2013). Refund to Savings (R2S): Insight from the field, 2012 (CSD Research Report No. 13-11). St. Louis, MO: Washington University, Center for Social Development.