Behavioral nudges prevent loan delinquencies at scale: A 13-million-person field experiment.

Proc Natl Acad Sci U S A · 2025 · PMC11789030 · PMID 39847339

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marginally significantP = 0.058so close (0.05 < p ≤ 0.1)

e regression-estimated change was 0.01 percentage points; P = 0.617; see Model 2), iii) had no significant impact on whether a borrower made at least one, on-time payment (the regression-estimated change was −0.02 percentage points; P = 0.530, see Model 3), and iv) decreased 60-d delinquencies by a marginally significant 0.05 percentage points ( P = 0.058; see Model 4).

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