Improving online disclosures with behavioural insights

The effects of online disclosure about personalised pricing on consumers

“…Recent work has featured a strong emphasis on applying behavioural insights to consumer policy making, with a focus on online disclosures and online advertising (e.g. (OECD, 2018 [1]), (OECD, 2019 [2])). In November 2018, the OECD further organised a roundtable focusing specifically on personalised pricing from a competition and consumer protection angle (OECD, 2018 [3]).…”

Measuring consumer detriment and the impact of consumer policy

“…Data over time could potentially help prioritise enforcement and education and awareness campaigns. Some consumer product safety authorities have developed partnerships with online platforms to detect and remove unsafe products from the platforms (OECD, 2018 [46]).…”

Online advertising

“…Spending on digital display advertising surpassed spending on search advertising in the US in 2016 (eMarketer, 2016 [31]). However, despite its popularity, display advertising only achieves an average click-through rate of less than one percent (O'Brien, 2015 [32]).…”

“…YouTube and Gmail) and outside of its business (Google, 2018 [33]). Placement of digital display ads on the Google Display Network is determined on the basis of website content rather than keywords (as compared to search advertising) (O'Brien, 2015 [32]). Other online ad networks include other providers of search services, such as the Yahoo!…”

“…Native advertising is generally more difficult for consumers to identify as advertising compared to other forms of online advertising. This is because such ads are "designed to blend in with their surroundings in order to appear more authentic" (O'Brien, 2015 [32]). Further, they "often resemble the design, style, and functionality of the media in which they are disseminated [and] may appear on a page next to non-advertising content" (Federal Trade Commission (US), 2015 [47]).…”