The Take-up of Digital Programs: Evidence from Brazil

  • Autor
  • Diego A. Vera Cossio
  • Co-autores
  • Jose Renato H. Ornelas , Lucas A. Mariani , Jéssica Gagete Miranda , Daniel da Silva Grimaldi
  • Resumo
  • We study whether low-cost digital informational interventions can increase the take-up of fully online public programs. We embed a nationwide randomized controlled trial into the rollout of Desenrola Brasil, a digital debt relief initiative targeting indebted households in Brazil. Over 2.3 million eligible individuals were randomly assigned to receive email messages with information about how to access the program online, how to seek in-person assistance at the post office, or both. On average, the intervention had no detectable effects, since only 3% of recipients opened the messages. Email opening was selective, with more vulnerable and less digitally connected individuals substantially less likely to engage. Conditional on exposure, however, providing enrollment guidance significantly increased platform access, renegotiation, and repayment. Heterogeneity analysis shows that effects are largest among socioeconomically vulnerable individuals who are not fully digitally excluded. 

  • Palavras-chave
  • Debt renegotiation, Digital exclusion, Nudges, Online public programs
  • Modalidade
  • Comunicação oral
  • Área Temática
  • Finanças Corporativas e Bancárias
Voltar Download
  • Apreçamento de Ativos
  • Finanças Corporativas e Bancárias
  • Econometria Financeira
  • Engenharia Financeira
  • Macrofinanças
  • Econometria Financeira

Comissão Organizadora

  • Anderson Odias da Silva
  • Rafael Schiozer
  • Marcelo Fernandes
     

Comissão Científica

  • Alan De Genaro (FGV EAESP)
  • Allisson Martins (Universidade de Fortaleza)
  • Amanda Miranda Fantinatti (FEA-USP)
  • André de Castro Silva (Nova SBE)
  • Benjamin Miranda Tabak (FGV EPPGE)
  • Bernardo Ricca (Insper)
  • Bruno Cara Giovannetti (FGV EESP)
  • Caio Almeida (Princeton)
  • Claudia Yoshinaga (FGV EAESP)
  • Cristina Scherrer (LSE)
  • Danilo Cascaldi-Garcia (FED)
  • Eduardo Flores (FEA-USP)
  • Eduardo Horta (UFRGS)
  • Eduardo Kazuo Kayo (FEA-USP)
  • Emerson Fernandes Marçal (FGV EESP)
  • Fernando Chague (FGV EESP)
  • Flavio Augusto Ziegelmann (UFRGS)
  • Gustavo Freire (Nova SBE)
  • Gustavo Silva Araujo (BCB)
  • Henrique Castro (FGV EESP)
  • Henrique Castro Martins (FGV EAESP)
  • Jaime de Jesus Filho (FGV)
  • Jose Renato Haas Ornelas (BCB)
  • João F. Caldeira (UFSC)
  • Jéfferson Augusto Colombo (FGV EESP)
  • Klenio Barbosa (SKEMA)
  • Layla Mendes (FGV EBAPE)
  • Leandro dos Santos Maciel (FEA-USP)
  • Lucas Ayres Barreira de Campos Barros (FEA-USP)
  • Marcelo Brutti Righi (UFRGS)
  • Marcelo Fernandes (FGV EESP)
  • Marcelo Klötzle (PUC-Rio)
  • Mariana Oreng (ESPM)
  • Márcio Poletti Laurini (FEA-RP/USP)
  • Naielly Marques (PUC-Rio)
  • Paulo Renato Soares Terra (FGV EAESP)
  • Paulo Rogério Faustino de Matos (UFC)
  • Pedro A. C. Saffi (CUNEF)
  • Rafael Felipe Schiozer (FGV EAESP)
  • Rafael Matta (SKEMA)
  • Raquel de Freitas Oliveira (BCB)
  • Raul Riva (FGV EPGE)
  • Roberto Bomgiovani Cazzari (FEA-USP)
  • Rodrigo De Losso da Silveira Bueno (FEA-USP)
  • Rodrigo Leite (COPPEAD/UFRJ)
  • Ruy Monteiro Ribeiro (Insper)
  • Vinicius Augusto Brunassi Silva (FGV EESP)
  • Wilson Toshiro Nakamura (Mackenzie)
  • Yuri Fahham Saporito (FGV EMAp)