Value proposition

We build solutions to make people financially secure.

Too many people in the U.S. today lack financial stability. Too many people are financially vulnerable. For people to pursue their full potential, we need more wealth – of opportunity, of tools, of financial assets – and we need that wealth to be more widespread.

We aspire to accomplish that by building innovative solutions that make people financially secure.

We collaborate with consumers, the financial services industry, policy makers, and mission-driven organizations to discover ideas, pilot solutions, and drive innovations to scale so wealth can become possible for everyone.

We Work with Industry

We understand broad change requires market players to act. We apply consumer insight and business acumen to build solutions that our industry partners scale. Our partners trust us to deliver solutions that are aligned with business objectives and good corporate citizenship, and are good for consumers. The solutions we build are grounded in real life, based on our deep understanding of people who are financially vulnerable and how businesses can best serve them.

We envision a financial services marketplace that works for everyone.

We are Policy Driven

Policymakers trust us to deliver insights that are data-driven, bipartisan, practical and effective. Our policy work includes collaborating with government to find ways to eliminate regulatory barriers, to craft and protect policies that enable broad access to the financial system, and to deliver essential consumer tools at scale.

We envision a financial system that works for everyone.

We Work with the Social Sector

We partner with other mission-driven organizations to understand consumers, pilot and test solutions, and pursue scale opportunities that deliver meaningful social impact.

We envision a social sector engaged in building financial opportunity for everyone.

tax-time savings, U.S. savings bonds, financial entertainment, gamification, nonprofit, low-to-moderate income, prepaid cards, financial education, policy, mobile apps, fintech, survey design, credit unions, prize-linked savings, behavioral economics, and emergency savings