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

Share Proceeding

Featured papers

See More


Mining Consumer Minds: How Airbnb Hosts’ Motivations Affect Their Retention and Pricing Decision

Jaeyeon Chung, Columbia University, USA
Gita Venkataramani Johar, Columbia University, USA
Yanyan Li, Columbia University, USA
Oded Netzer, Columbia University, USA
Matthew Pearson, Former User Experience Researcher at Airbnb

Read More


When Does Slow Mean Luxurious?: The Effect of Product Motion Speed in Brand Communications on Status Perceptions

SungJin Jung, INSEAD, Singapore
David Dubois, INSEAD, France

Read More


G6. Brightness Increases More Positive Views of Humanity and Prosocial Behavior of People Low in Moral Identity Internalization

Jun Yan, University of Manitoba, Canada
Luke Zhu, University of Manitoba, Canada
Fang Wan, University of Manitoba, Canada

Read More

Engage with Us

Becoming an Association for Consumer Research member is simple. Membership in ACR is relatively inexpensive, but brings significant benefits to its members.