Women / girls could more easily obtain bank accounts / loans / savings
The investing gap could contribute to income inequality
Employees could have employer-matched emergency savings accounts
Minimum balance, banking fees, accessibility / location, lack of public education / financial literacy outreach could be deterrents to financial inclusion
Free smartphones / solar chargers could be provided to poor, rural women using an advertising-based revenue model
Women's access to direct deposit / financial services could lead to empowerment
Institutional investors could be regulated in the housing market
Buying a mobile home and renting land could be financially harmful to residents
Workers' low wages could be subsidized by the government, philanthropy, and/or the hiring organizations
Cash could be given through rental subsidies, taxes, or child savings accounts to aid poverty
Apps could encourage saving / budgeting as well as offer financial advice / education / rewards
Credit checks could not be used for employment decisions
Insurance could be bought in case of job loss or disability
Employers could offer lower interest payday loans
Financial wellness / savings / loan products could be offered to employees
The post office could offer financial services
Check cashers and credit unions could form strategic alliances to reach low-income consumers
Banking products could be more available, transparent, and accessible for low-income consumers
Microinsurance could be offered to low-income people
Zero interest loans could help people build credit
Financial coaching could be integrated into existing social services
Spare change could be automatically invested
A group of individuals could save and borrow money together
Financial advisors could have to fulfill a fiduciary standard
Financial literacy could be taught in high schools
Public benefits could be deposited directly into savings accounts
Small-dollar loans could have transparent terms, be online, offer financial education, and the opportunity to build credit
Lotteries or prizes could encourage people to save more
Debit card users information could be used in credit scoring
Banking could be mobile
Citizens could receive a basic / guaranteed income (with restrictions or on a EBT card)
Financial counseling could aid with asset building for low-income individuals and families
A credit scoring system could be developed for unbanked individuals to qualify for financing
Digital game design techniques could be used to engage people and motivate behavior
Interest rates could be capped for payday loans
Asset limits for public benefits could be reformed to not discourage saving
Retirement accounts could allow funds to be used for education and home ownership
The Saver's Credit could be simplified and expanded
Children Savings Accounts could be required for every newborn or kindergartner
A Saver's Bonus could be offered to low-income tax filers
Tax refund increases could be required to be put into an IRA or other savings product
Individual Development Accounts (IDAs) or matched savings accounts could be expanded and encompass more goals
Employers could enroll workers in an opt-out direct deposit savings account
Banks could be easier to access at local shops
Identification systems / digital IDs could be built for citizens
Banks could design and market savings accounts to low income consumers
