Given the challenge posed by the current U.S. economy, we work at both the grassroots and systemic levels. We leverage research and insights from behavioral economics* to create interventions that engineer beneficial money management behaviors in individuals. We use a similar approach to instigate institutional and systemic behavior change to overcome the barriers that negatively impact low-income communities. We line up incentives with goals and then track, report, and refine.
By taking this approach, we help people develop their financial survival skills and use civic engagement as an asset-building strategy. We are also changing the marketplace by demonstrating that fair, safe, and effective financial products and services are a sustainable best practice.
Poverty is not a character flaw, rather a policy choice.
*Behavioral economics combines the disciplines of psychology, sociology, and economics to understand how financial choices are made and how financial decisions can be improved to produce better results.