Innovative Financial Services for the Underserved: Opportunities & Outcomes

The Community Affairs Officers of the Federal Reserve System hosted the conference, Innovative Financial Services for the Underserved: Opportunities and Outcomes, the sixth biennial Community Affairs Research Conference to encourage objective research into financial services issues affecting low- and moderate-income individuals, families, and communities.
This conference explored the role, processes and outcomes of innovation in financial services for low- and moderate-income consumers and underserved populations. Leading researchers presented original and objective research that can inform innovative market and product development through a framework that moves from:

  • individual consumer preferences and behaviors with focus on consumer finance products, to
  • influences that affect market participation such as financial education and institutional structures, to
  • effects of mortgage products on both performance and wealth creation, to approaches for shaping market participation.

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