Over the last year, more than 100 million American households experienced a financial shock. This year the Financial Solutions Lab’s second $3 million challenge was seeking solutions that could help Americans to weather such shocks.

U.S. Financial Diaries: Sarah and Sam Johnson are a hardworking Ohio couple struggling to make ends meet despite the fact that they both work in stable, full-time jobs, and several part-time ones.

Nexxo Financial Corporation joined forces with Centris Federal Credit Union and Carver Federal Savings Bank to supply transaction kiosks to provide consumers more convenient access to the financial services they need.

Low-income underbanked consumers typically lack sufficient savings to cover short-term needs or unexpected expenses—let alone to build a nest egg for longer-term goals.