Young people dominate the "unbanked" in the markets where the project operates.
What do young people require when accessing financial services? – Young people, particularly older youth, need increased autonomy from their trustees. Family group accounts and a redefinition of legal structures could help to restructure the boundaries to a youth account and increase the trust between the bank, youth, trustees, and the community
Cash flow in households – Despite young poor people having money to save, their role in household finances is rarely recognized. This is why we engaged in diary studies to learn how finances move between household, and the role youths and young adults play in financial management and decision-making.
Customer loyalty – To turn young people into loyal lifelong customers, a product must transition with young people throughout the different stages of their life – from being in school, to leaving school and entering university, to founding their own family or enterprise.