Publications

The combined supply and demand shocks of the COVID-19 pandemic have created the largest shift in consumer behavior in recent history, while exposing millions of households to material hardships like food insecurity and housing instability. In this study, we draw on national surveys conducted early in the pandemic to investigate the COVID-19’s effects on self-reported […]

MedPut offers a way for employees to pay their out-of-pocket health care expenses through payroll deducted or Health Savings Account (HSA) payments capped at 5% of gross pay. Employees that use MedPut are much more likely to report having problems paying medical bills and to report putting off health care due to cost concerns. Nearly […]

In this study, we examined Onward, an employer-based mobile app that enables workers to save via payroll deduction and receive financial education and coaching as a means to address financial challenges such as difficulty paying bills on time, managing debt, and accruing savings. An important feature of Onward is that employees can save automatically through […]

The financial technology (fintech) sector has grown rapidly in recent years. Awareness and use of fintech has grown as companies in this sector have increased their user-friendly design, convenience, and accessibility. A unique fintech niche that has developed rapidly alongside the overall industry is known as “employer-channel fintech.” Offered by employers, these solutions or benefits […]

The concept of universal basic income (UBI) first gained traction in the United States in the 1960s Civil Rights Movement and again recently due to the 2008 recession and COVID-19 pandemic. Still, the idea lags in popularity in comparison to existing cash transfer policies like the Earned Income Tax Credit and COVID relief packages. We […]