Household Risk


With unbanked households experiencing the highest growth rate in prepaid card use, innovation in the prepaid industry has the potential to help financially vulnerable Americans.

Opportunities for Innovation in Crowdfunded-Savings

Americans are struggling to save. New technology and new platforms, including crowdfunding, can provide opportunities for vulnerable consumers to access broader networks and leverage online accounts to help cover the costs of financial emergencies. However, most Americans don't even know these options exist.  

D2D hosts Ford Foundation Grantee Convening on Emergency Savings Products and Alternatives

In December 2013, Doorways to Dreams (D2D) Fund hosted a Ford Foundation Grantee Convening focused on Emergency Savings Products and Alternatives.

A Win-Win Proposition: Savings on GPR Cards

Sarika Abbi, Director of Ideation, discusses D2D's collaboration with Banking Up.

Paving the Way Forward: Savings On Prepaid Cards

This paper reviews a collaboration between D2D and Banking Up to design and evaluate an emergency savings feature on their UPside prepaid card, providing insight into the potential impact on consumers and prepaid card providers. 

Emergency Gift Cards: Commoditizing Savings with Prepaid Cards

D2D Fund has designed an emergency gift card to test a new way of reaching consumers with a short-term savings product by incorporating the following insights: a) consumers like to gift savings to their loved ones and as seen with paper savings bonds, like the tangibility of savings b) the need to meet a consumer where they are to influence behavior and c) savings can be commoditized and consum

A Need for Product Innovation to Help LMI Consumers Manage Financial Emergencies

With little reseach on financial tools to help households prepare for financial emergencies, Doorways to Dreams Fund designed a survey to understand LMI consumers’ perceptions of and experiences with emergencies and their insights into product design features that will help them cope. This paper details