five sets of constraints that may hinder the adoption and effective usage of savings products and services by the poor …

Evidence on the effectiveness of financial education and formal savings account access is lacking, particularly for … shows the education plus account treatment increases bank savings relative to account-only. But survey-measured total … savings shows roughly equal increases across all treatment arms. Earned income also increases in all treatment arms. We find …

) offered smokers a savings account in which they deposit funds for six months, after which they take a urine test for nicotine …