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D2D Fund: Bringing Dreams To Reality In The Low-income Marketplace

Published by: TowerGroup

Published: Mar. 20, 2006 - 11 Pages


Table of Contents


TowerGroup Take-Aways




Report Coverage




Financial Services Serving Low-Income Households


Exhibit 1: The Path to Financial Security: Income Drives Asset Accumulation and Net Worth in the US (1992-2001)


D2D Fund and the Challenge to Build Assets


Exhibit 2: D2D Fund: Fostering Asset-Building Opportunities for Low-Income and Moderate-Income Households


IDAs: Evidence That Low-Income Households Can Save


Exhibit 3: American Dream Demonstration Project Shows Benefits of Individual Development Accounts (1997-2001)

Exhibit 4: Initial IDA Programs Were Paper Based and Lacked Integration and Automation


Online IDA: Expanding Reach and Efficiency


Exhibit 5: D2D Fund Coordinates Efforts over Extended Time to Bring Online IDA Vision to Fruition (2000-04)

Exhibit 6: Online IDA Extends Reach While Providing Scale and Operational Efficiency (2006)

Exhibit 7: Online IDA Enhances Accessibility and Efficiency for Participants, Sponsors, and Institutions


Challenges to Achieving Broad Societal Impact

Opportunity for Financial Services Institutions


Citigroup

Merrill Lynch




Summary

Abstract

"'Tis money that begets money," says an old English proverb. Low-income households, with their paychecks quickly drained by daily living expenses, have difficulty building assets. With little excess money, these households attract little attention from financial institutions. A not-for-profit organization called D2D Fund (Doorways to Dreams Fund) is taking a collaborative approach to innovation with a mission to bring affordable financial services, especially asset-building opportunities, to low-income households. This TowerGroup Research Note examines the challenge of bringing financial services to low-income households and investigates a promising asset-building opportunity provided by Individual Development Accounts (IDAs). It provides an in-depth case study of D2D Fund's efforts to create a Web-based record-keeping system for IDAs that will deliver operational efficiencies and extend the reach of IDAs to potentially millions of participants.

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