Tax & RevenuePersonalizationPositive

Personalized SMS for Court Fine Repayment

UK Courts Service / Behavioural Insights Team · United Kingdom · 2012

Summary

Among 12 message variants tested, simply including the debtor's name in an SMS dramatically increased repayment. Including the exact amount owed reduced effectiveness slightly. The cheapest intervention—one SMS with a name—recovered far more revenue than traditional debt collection escalation. The Behavioural Insights Team used this as a foundational case for personalization in government communications.

Research question

"Can personalized text reminders increase delinquent court fine repayment?"

Methodology

Intervention

SMS reminders varying on: inclusion of debtor's name, amount owed, framing

Assignment

Randomized controlled trial (debtor-level)

Sample size

~86,000 debtors

Primary outcome

Average amount paid per debtor

Effect estimate

Personalized SMS with debtor's name: £12.87 average payment vs. £4.46 control (189% increase)

Decision

Personalized SMS adopted nationwide; estimated 150,000 fewer bailiff interventions annually

Result

Positive

Personalized SMS with debtor's name: £12.87 average payment vs. £4.46 control (189% increase)

Evidence strength

Strong

Randomized trial, replicated across multiple sites or studies.

Replication status

Replicated

Institution

UK Courts Service / Behavioural Insights Team

Location

United Kingdom

Year

2012

Policy area

Tax & Revenue

Mechanism

Personalization