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Field
Trial Status
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Before
in_development
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After
on_going
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Field
Trial End Date
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Before
April 30, 2025
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After
June 07, 2025
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Field
Last Published
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Before
April 22, 2025 09:25 AM
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After
May 14, 2025 11:06 AM
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Field
Intervention Start Date
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Before
April 14, 2025
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After
May 15, 2025
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Field
Intervention End Date
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Before
April 30, 2025
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After
May 31, 2025
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Field
Primary Outcomes (End Points)
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Before
The main dependent variable we will look at is decision accuracy in Stae 2 (i.e. whether the decision to approve/deny the loan was ex-post correct).
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After
The main dependent variable we will look at is decision accuracy in State 2 (i.e. whether the decision to approve/deny the loan was ex-post correct).
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Field
Experimental Design (Public)
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Before
We recruit 200 loan underwriters/officers/processors, and other participants to make loan application decisions in two stages.
Our randomisation happens int the second stage, where we personalise interventions to each underwriter for half of the underwriters, and compare it to our control intervention.
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After
We recruit 200-300 loan underwriters/officers/processors to make loan application decisions in two stages.
Our randomisation happens int the second stage, where we personalise interventions to each underwriter for half of the underwriters, and compare it to our control benchmarks.
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Field
Planned Number of Clusters
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Before
200 loan officers/processors/underwriters.
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After
200-300 loan officers/processors/underwriters.
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Field
Planned Number of Observations
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Before
We will aim to recruit 200 loan officers/processors/underwriters, unless otherwise limited by our recruitment (i.e., 2 weeks go by without any new loan officers/processors/underwriters). We will filter out subjects in our analysis based on attention and time checks as specified by our PAP.
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After
We will aim to recruit 200-300 loan officers/processors/underwriters, unless otherwise limited by our recruitment. We will filter out subjects in our analysis based on attention and time checks, as well as Stage I performance as specified by our PAP.
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Field
Sample size (or number of clusters) by treatment arms
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Before
100 in each arm -- adaptive and non-adaptive.
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After
100-150 in treatment, 50-75 in each control.
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Field
Intervention (Hidden)
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Before
Two-stage experiment with loan officers.
In stage 1, randomisation is within-individual into 5 treatments. We use this data to inform personalised thresholds for the second stage.
In the second stage, we randomise loan officers into two groups: (i) personalised AI thresholds (calculated from Stage I experimental data.) vs. (ii) general binary threshold implied by theoretical model. This is our core randomisation.
The randomisation is across-individual, 50% in control (general binary threshold), 50% in treatment (personalised thresholds). See PAP for more details.
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After
Two-stage experiment with loan officers.
In stage 1, randomisation is within-individual into 5 treatments. We use this data to inform personalised thresholds for the second stage.
In the second stage, we randomise loan officers into three groups: (i) personalised AI thresholds (calculated from Stage I experimental data.) vs. (ii) generalised universal binary threshold implied by theoretical model from experiment 1, (iii) top-performing policy on average in the population from Stage I. This is our core randomisation.
The randomisation is across-individual, 50% in control (general binary threshold), 50% in treatment (personalised thresholds). See PAP for more details.
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Field
Pi as first author
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Before
No
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After
Yes
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