Financial health means having day-to-day financial systems in place to manage income and expenses. It means having resiliency against unexpected shocks in the form of accessible financial options to handle ups and downs.

How financial institutions can build long-term relationships with immigrants before and after immigration reform.

There is no one-size-fits-all credit product. Credit products are important tools for consumers’ financial management, but they need to be matched with the needs of the consumer.

Banks and credit unions can and should be doing much more to support consumer credit building – and, importantly, they can do so in ways that align their own success with the success of their customers.

Mainstream financial institutions have struggled to meet the needs of low-income families living paycheck to paycheck.

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.

Low-wage immigrants are a particularly hard-to-reach segment of the underbanked population.

Discover likely affinities among underbanked consumers and explore how financial products could be marketed to these consumers through community-based nonprofits and nonprofits offering advocacy and social services.