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Youth and Financial Services Working Group

Youth and Financial Services Working Group Resources

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Understanding Youth and their Financial Needs
The Understanding Youth and their Financial Needs publication provides deep insights into the financial decision making behaviors of youth (e.g., spending, saving, and borrowing) at three different levels—the client level, market segmentation level, and institutional level—and shows how these behaviors can inform the design of financial and education support services.… Read More ›
Effective Integration of Financial Services into Economic Opportunities Programming for Youth
This brief examines ways in which financial inclusion has been effectively incorporated into youth economic opportunities programming, and its benefits used to reinforce other development goals. Examples are drawn from a range of initiatives, some of which are currently being implemented and some of which are complete. Lessons on incorporating financial inclusion into youth programming are described in the brief under two sections: (1) driving financial inclusion through integrated programming, and (2) leveraging financial inclusion to achieve broader youth development goals.… Read More ›
Incentives, Subsidies, and Complementary Services to Promote Youth Financial Inclusion
This brief explores key lessons in ensuring effective design of incentives, subsidies, and complementary services, as well as the ways and conditions in which they can foster sustainable financial inclusion and build trust with these new customers. The paper first illustrates tested strategies to attract new clients (through targeted giveaways, rewards, etc.) and ways to structure those strategies in order to retain and empower these customers (including financial education, client protection, cost-sharing, and effective marketing channels and strategies). It then shows how incentives and subsidies can fit into integrated programs (through market positioning, synergies with national agendas, engaging staff and other stakeholders, etc.).… Read More ›
The Role of Parents and Families in Youth Financial Inclusion
This brief provides an overview on the role of parents and families in building youth financial inclusion and explores the dynamics occurring within the household, taking into account parents, caretakers, and other household members, in order to better understand what is known about the interplay between adults and the young people within their mutual sphere of influence. Further, recommendations and examples are provided from programs that are attempting to leverage these dynamics to create greater impact in order to frame discourse on areas for further exploration. References are drawn from practitioners operating throughout the developing world.… Read More ›
Usage and Dormancy
The continued expansion of youth financial inclusion requires that dormancy be understood and addressed effectively. This paper presents innovative and impactful ways in which financial service providers (FSPs) can achieve higher rates of usage from youth… Read More ›
Advancing Integrated Microfinance for Youth (AIM Youth)
The transition of young people from adolescence to adulthood can be precarious as they try to navigate in a sea of new and growing responsibilities and begin to assert their independence. For youth living in poverty, such a transition is even more challenging, characterized by tensions between increasing financial pressures on the one hand and limited access to resources and opportunities on the other. … Read More ›
Banking a New Generation: Developing Responsible Retail Banking Products for Children and Youth
This Guide has been developed for leading national and international financial institutions with an ability to drive significant outreach to children and youth. It is relevant for those organizations who are evaluating an existing investment in financial products for children and youth, and for those debating whether to enter the segment for the first time. The Guide is intended to help decision makers, product owners and all stakeholders in the product development process understand the impact of working with children and youth, and to provide guidelines on how to develop appropriate innovative banking and payment products, while respecting and supporting children’s rights.… Read More ›
Banking on Youth: A Guide to Developing Innovative Youth Savings Programs
This publication is a guide for deposit-taking financial institutions in any stage of youth savings program development - from those that are simply exploring the possibility of introducing youth savings, to those that are already offering products to youth but are looking for new ideas and strategies to improve performance. It is designed to be useful to a wide range of financial institutions, from small, resource-constrained microfinance institutions to established retail banks with an interest in the low-income youth market. It is also designed to apply to a variety of contexts-from competitive markets in more developed economies to less developed countries with very low rates of formal financial services penetration. Therefore, it does not prescribe one set of actions, but outlines various options, implying different levels of complexity and resources for each major step in the program development process.… Read More ›
Building the Business Case for Youth Services: Insights of the Youthstart Programme
Many that work in the field of inclusive finance envision a world where financial service providers (FSPs) serve massive numbers of youth to ease their transition from childhood to adulthood and ultimately reduce their risks and facilitate achievement of their life needs and aspirations. In many developing countries there is a youth bulge that represents both a commercial and a developmental opportunity for FSPs and donors.

This paper assesses the effort needed to achieve the profitability of youth services, recommends how FSPs can improve the pathway towards profitability of youth services, and shows how the support of donors impacts the pathway towards profitability of youth services and fosters youth financial inclusion.… Read More ›
Evaluation & Assessment: Youth Savings
Research suggests that by serving a girl at the vulnerable crossroads of adolescence, development programs can have the greatest impact not only on that girl, but can empower her to be a catalyst for change in her family and community. Once that window of adolescence closes, we have lost the opportunity to impact a generation. According to market demand research conducted by Women’s World Banking (WWB), girls as young as 10 regularly accumulate money, actively financial institutions are traditionally oriented towards adults as customers and do not see youth as a viable target market. Early evaluation of girls’ savings projects suggests that increased savings is associated with a number of positive outcomes.… Read More ›
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