This article aims to provide an overview of the main mechanisms underlying the non-take-up of public provisions by bringing together insights from existing theoretical models and the large body of empirical evidence within Europe and the U.S. We draw on studies based on the rational choice model as well as on insights from psychology and behavioural economics. Whereas most studies are confined to the client level only to explain non-take-up, an important focus of attention here is the way policy design and administration can affect the uptake of public provisions, as well as the role the broader social context plays in understanding non-take-up. In this article, we bring different strands in the literature together and develop a theoretical framework which lists and links the various mechanisms at play. At the same time, we summarise most important empirical findings on the drivers of non-take-up, and focus on lessons from the literature regarding how policies could be redesigned to reduce non-take-up.

本文旨在通过汇总来自现有理论模型的见解以及欧洲和美国的大量经验证据，概述不采用公共条款的主要机制 我们借鉴基于理性选择的研究模型以及心理学和行为经济学的见解。虽然大多数研究仅限于客户层面，只是为了解释不接受，但这里关注的一个重要焦点是政策设计和管理如何影响公共条款的接受，以及更广泛的社会背景在其中所起的作用理解不接受。在本文中，我们将文献中的不同分支汇集在一起​​，并开发了一个理论框架，列出并链接了各种起作用的机制。同时，