Osifodunrin, Edward A.; Lopes, José Dias - In: International Journal of Financial Studies : open … 14 (2026) 1, pp. 1-26
a 60-day experimental intervention-the Programmed Microsaving Scheme (PMSS), a hard daily commitment savings device …-affect the likelihood of undersaving, defined as saving less than 12% of each REA's average daily income. While the PMSS appears … a novel 60-day PMSS, co-designed with REAs and neobanks to accommodate daily income savings-a characteristic of the …