How Earn Up Changes Financial Behaviors,Debt Reduction Behaviors

PRODUCT

Earn Up

EarnUp is a consumer-first fintech platform that intelligently automates loan payments for the 200 million Americans with debt. We help you put a few dollars aside for your loans when you can afford it - then we make your loan payments for you, allocating funds in the way that gets you out of debt faster. We are dedicated to giving control back to everyone who is frustrated managing their finances.

Studies on the efficacy of

Earn Up

No items found.

How

Earn Up

changes

Financial Behaviors,Debt Reduction

behaviors

Automation,Smart Defaults,Education or Information,"Reminders, Cues, & Triggers",Environmental Restructuring

Automation

Nest Thermostat,PlateJoy,Acorns,Mission Lane,Roman,Nurx,Pillo,TrueLink Financial,CitizenLab,Sidewalk Labs,Lambda School,Pathrise,Promptable,Opower,Electriphi,Earn Up,Steady,Lendstreet,Charlie,Homebase,Qapital,Wealthfront,Personal Capital,Qoins,Tia,Cardiogram,Betterment,Eight Sleep,Dreams

Ghani (2016),Sussman (2016),Chetty et al. (2012),Behavioural Insights Team (2013),Behavioural Insights Team (2013)

Smart Defaults

TrueLink Financial,Nest Thermostat,Opower,Earn Up,Lendstreet,Charlie,Homebase,Qapital,Wealthfront,Personal Capital,Qoins,Betterment,Dreams

Johnson & Goldstein (2003),Benartzi & Thaler (2004),Mathias,Ghani (2016),Behavioral Insights Team (2012),Brown et al. (2013),Loewenstein et al (2013),Pichert & Katsikopoulos (2008),Madrian & Shea (2001),Goda (2010),Kalbekken (2011)

Education or Information

Education or Information

Sidekick Health,MoodMission,Cognoa,DigiQuit,Hello Heart,emocha,Vivibot,Nest Thermostat,Prepmate,Be Safe,Fitbit,SuperBetter,"Zombies, Run!",MyFitnessPal,Fat Secret,Lose It!,MoodPrism,MoodKit,Sleepio,Workit Health,myStrength,Sanvello,Braive,NASH,Parsley,Quit Genius,Ria,Joyable,Welltok,WW,Spring Health,Suggestic,Wise@Work ,Whil,Digital Detox,WellBrain,MindSciences,Healium,Virta Health,Kognito,PeerWell,Bounce,Torch,Promise,APDS,Edovo,Promptable,Pathrise,Lambda School,Opower,Edquity,Earn Up,GreenPath,Rally Health,Vida Health,Livongo,Recidiviz,Welltory,Fabulous,RunKeeper,Shine,Nudge,LifeOmic,Oura Ring,Sober Grid,Bodyport,Tig,Tripp,Lemonaid for Depression & Anxiety,Betr Health,Vidscrip,Accupedo,Betterment,Vitalyze,10% Happier,Eight Sleep,Fitbit Health Solutions,RedBrick Health,iHealth Wearables,Tempest,Pivot (Workouts),Mirror,One Medical,Remente,NOCD,Virgin Pulse,Tess,Zero,Nudge Rewards,Dreams,reSET-O,reSET,Restful,Wellth Rewards,Propeller Health

Dobson et al. (2018),Fortmann et al. (2017),Krahé (2005),Hill (2008),Kellar (2005),Kwasnicka (2017),Lally (2005),Larkin (2015),Lemmens (2010),Llewellyn (2012),Mosleh (2009),Newbury-Birch (),Powell (2015),Yates (2015),Zhou (2015c),Drossaert (1996),Hallsworth (2016),Hill (1982),French (2017),Barker (2016),Gardner (2017a),Phillips (2018),Volpp et al. (2009),Alcalay (1993),Morrison (2016),Miller (2017),Tombor (2016),Treweek (2014),Giles (2014),Lavelle (2017),Creedon (2006),von Lengerke (2017),Boyd (2015),Hammond (1999),Springvloet (2015),Perez (2013),Barnett (2014),Leppla (2016),Witteman (2017),Bates (2017),Aventin (2015),Beard (2015),Wardle (2003),Clarkesmith (2016),Evans (2016),Kiene (2006),Norris (2016),Carmack (2006),Paradis (1995),Zhou (2015a),de Vries (2018),Wang (2015),Van Het Reve (2014),Turner-McGrievy (2011b),Allen (2013),Bond (2014),Olano-Soler (2017),Gregory (2016),Greer (2019),Wall (2018c),Liu (2018),Roepke (2015),Charpentier (2011),Direito (2015),Bakker (2018),Laing (2014),Sussman (2016),Arnardóttir (2019),Kaplan (2017),Swartz et al (2011),Kiernan (2013),Chamberland (2017),Hastings & Tejeda-Ashton (2008),Gold (1994),Mathios (2000),"Fraser, Hite, & Sauer (1988)",Kunreuther et al. (2012),Small et al. (2007),Hershfield et al. (2011),Bhargava & Manoli (2013),Newell & Siikamäki (2013),Turner-McGrievy (2013),Fukuoka (2015),Bertrand & Morse (2011),Wang (2011),Chen et al. (2017),Merchant et al. (2018),Merchant et al. (2015)

Reminders, Cues, or Prompts

Reminders, Cues, or Prompts

Wellth Rewards,Sidekick Health,MoodMission,Hello Heart,Vivibot,Nest Thermostat,Prepmate,Be Safe,Fitbit,SuperBetter,Siren,"Zombies, Run!",MyFitnessPal,Fat Secret,Lose It!,MoodPrism,MoodKit,Daylight,Sleepio,myStrength,Sanvello,Braive,Stoic,NASH,Youper,Quit Genius,Restful,reSET-O,APDS,Vote.org,Joyable,Welltok,WW,DietBet,Whil,Virta Health,emocha,Kognito,PeerWell,Bounce,Promptable,Opower,Edquity,Earn Up,Rally Health,Vida Health,Livongo,Keen,StepBet,RunBet,Welltory,Fabulous,RunKeeper,Shine,Nudge,LifeOmic,Moodpath,Neuroon,Oura Ring,Sober Grid,Bodyport,Tig,Tripp,Lemonaid for Depression & Anxiety,Betr Health,Tempo,Accupedo,Betterment,10% Happier,Eight Sleep,HealthPrize,Fitbit Health Solutions,RedBrick Health,Moment,iHealth Wearables,Pivot (Workouts),Mirror,Strava,Rise,Re-Timer,Sana Health,Remente,Virgin Pulse,Tess,Zero,Nudge Rewards,Dreams,Propeller Health

Levy et al. (2015),Thomsen (2016),Casarotto,Schoar (2012),Yoeli (2015),Raifman,Scartascini,Valenzuela et al. (2011),Kuna (2015),Haynes et al. (2013),Habyarimana & Jack (2011),ideas42 (3),Humpage (2015),ideas42 (5),ideas42 (7),ideas42 (8),ideas42 (9),ideas42 (10),Fiorillo et al. (2014),ideas42 (11),ideas42 (13),Cheema & Soman (2011),ideas42 (15),ideas42 (16),Zaliauskas et al. (2015),ideas42 (17),ideas42 (18),Zinman (2018a),Fortmann et al. (2017),Mohammed et al. (2016),Kliner et al. (2013),Pop-Eleches et al. (2011),Rodrigues et al. (2012),Finkelstein (2015),Volpp et al. (2016),Barker (2016),Debono (2017),Mira (2014),Reyzelman (2018),Wang (2015),Turner-McGrievy (2011b),Allen (2013),Bond (2014),Gregory (2016),Greer (2019),Liu (2018),Roepke (2015),Charpentier (2011),Direito (2015),Bakker (2018),Laing (2014),Sussman (2016),Wharton (2014),Arnardóttir (2019),Kaplan (2017),Schwartz et al. (2012),Duflo et al. (2010),Kiernan (2013),Cadena & Schoar (2011),Letzler & Tasoff (2013),Kunreuther et al. (2012),Fellner et al. (2011),Castleman (2013),Turner-McGrievy (2013),Karlan et al. (2010),Kalbekken (2011),Milkman et al. (2011)

Environmental Restructuring

Environmental Restructuring

Nest Thermostat,"Zombies, Run!",PlateJoy,Quit Genius,APDS,Promise,Lemontree,Joyable,Light Phone,Whil,Digital Detox,Healium,Pillo,Flow Neuroscience,Myndlift,emocha,TrueLink Financial,PeerWell,wayForward,Torch,Flikshop,Uptrust,Corrio,Sidewalk Labs,Lambda School,Pathrise,Promptable,Opower,Electriphi,Earn Up,EarnIn,Qoins,Give Directly,Pivot (Workouts),Neuroon,Bodyport,Sound Life Sciences,Tia,Lemonaid for Depression & Anxiety,Eight Sleep,Moment,Mirror,AppliedVR,Virtually Better,CleVR,Psious,Propeller Health

Presseau (2015),Debono (2017),Gardner (2016),Gardner (2017a),Guzmán (2016),Phillips (2018),Tombor (2016),Munir (2018),Direito (2015),Sussman (2016),North (1997),Dayan & Hillel (2011),Hershfield et al. (2011),Cialdini (2003),Kallbekken et al. (2012),Hanks et al. (2012)

Earn Up

changes these

Finance

behaviors

Financial Behaviors,Debt Reduction