Horn, Samantha; Jamison, Julian; Karlan, Dean; Zinman, … - 2022
Is financial knowledge change necessary for lasting behavior change? Or, akin to Friedman’s billiard player, can … behavior persist “as if” such knowledge is held? We randomize 240 Ugandan young-adult clubs to financial education, savings … account access, both, or neither. Each education arm, but not the account-only arm, increases members’ financial knowledge and …