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Does offering bank accounts improve the financial capability of a vulnerable population? Research by Michael Collins, Nathalie Gons, & Kasey Wiedrich among job training participants indicates that integrating access to financial products and services is feasible at scale.
Financial counseling may be an effective way to improve individuals’ financial behavior and outcomes. However, its impacts have not been adequately studied. Previous studies show weak positive effects of counseling, but are subject to a number of limitations.