Areas Americas

Fintech’s role in exacerbating or reducing the wealth gap

This article synthesizes research about the long-term costs of debt inequality on communities of colour in the United States of America, adding an in-depth analysis of several new advances in banking and lending, and proposing several key principles for reducing…

Payday

Why does the payday still exist? This article studies various explanations—economic, historical, behavioral, and legal. It concludes that the payday owes its existence to legacy legal architecture and suggests a path for legal reform.

The electronic payroll system in Peru

This video presents the electronic payroll system in Peru, which helps facilitate workers’ registration and transition to formality and contributes to improving the effectiveness of labour inspections.

Making payroll cards work for employees

This report provides findings from consumer research on employee payroll card usage and opportunities for improvement in card design and delivery in the United States of America.