Put Your Money Where Your Butt Is: a Commitment Savings Account For Smoking Cessation

We designed and tested a commitment product to help smokers quit smoking in the Philippines. Individuals who sign a Committed Action to Reduce and End Smoking (CARES) contract deposit money into a savings account and agree to let the bank forfeit their entire balance to charity if they fail a urine test six months later. 11 percent of individuals offered CARES accepted. Six months after marketing, the bank marketing team returned and administered urine tests to participants from all three groups. Subjects offered CARES were about 30 percent more likely to pass the test.


Xavier Gine, Dean Karlan, and Jonathan Zinman (2009) ,"Put Your Money Where Your Butt Is: a Commitment Savings Account For Smoking Cessation", in NA - Advances in Consumer Research Volume 36, eds. Ann L. McGill and Sharon Shavitt, Duluth, MN : Association for Consumer Research, Pages: 97-99.


Xavier Gine, The World Bank, USA
Dean Karlan, Yale University, USA
Jonathan Zinman, Innovation for Poverty Action and Stickk.com, USA


NA - Advances in Consumer Research Volume 36 | 2009

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