Innovations in fintech are creating new opportunities – and posing new risks – for consumers with invisible, unscorable, or subprime credit.

Interviews with home care workers reveal how even well-intentioned raises can lead to benefits cliffs that cause workers to lose out on public benefits – putting them in a worse financial position overall.

Drawing on insights from recent pilot projects, this brief discusses ways in which stakeholders across sectors can empower people coming out of prison to access identification and financial services.

Employees across industries are managing a wide range of financial health needs, and they are increasingly looking to their employer for support. As employers consider which financial guidance benefits to offer, they must consider a range of factors – including the makeup of their workforce, how the guidance is delivered, and cost structures – in order to identify the most high-impact solutions for their employees.