The poor in developing countries have limited access to bank accounts and generally rely on informal savings mechanisms. However, informal savings options alone are unable to meet all of a household’s financial needs, and households often report that having access to a savings account is their greatest financial need. Saving is critical to households whose income flows do not match their daily consumption needs, much less their need to plan for risks and make investments. IPA studies measure the impact of programs and products that seek to help the poor overcome practical and behavioral barriers to effective saving.


Despite good intentions, people often make less-than-optimal financial choices. In this series, we match insights from our global research in behavioral economics with specific financial service...

Researchers in Côte d’Ivoire evaluate an economic empowerment and gender dialogue program on domestic violence

Intimate partner violence is a pervasive health and human rights concern, but relatively little is known about how to reduce gender-based violence in conflict-affected settings.


Can giving pension account holders personalized information about the financial implications of increasing their contributions, formalizing employment, and delaying retirement age help them make...