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How Financial Services could be different

Every location could have an address

Children Savings Accounts could be required for every newborn

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

Microinsurance could be offered to citizens in developing countries

Banks could be easier to access at local shops

Banks could design and market savings accounts to low income consumers