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Recently, SSIRLive! featured The Hidden Financial Lives of America's Poor and Middle Class, a 2-part webinar and blog series, highlighting research based on the US Financial Diaries. The research illustrates how current programs and policies for helping poor and middle class households achieve financial stability are based on an outdated understanding of the reality of their financial practices.
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Earlier this week, both The New York Times and Vox highlighted research from the U.S. Financial Diaries focused on informal finance.
Low-income households often do not have access to formal financial services and operate in the "invisible finance sector," leaving them with no credit history...
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The U.S. Financial Diaries project, a joint initiative of NYU Wagner’s Financial Access Initiative (FAI) and The Center for Financial Services Innovation (CFSI), reveals hard-to-see aspects of the financial lives of working Americans, providing new insight for the design of financial services policies, programs and products for a broad range of Americans...
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