Most poor people experience digital financial services (DFS) as a point solution to very specific problems.
As a result, most digital accounts are empty and serve mainly, if not exclusively, as a pass through vehicles for remitances and remote digital payments.
To help make digital storage of value more attractive to low income cosumers DFSPs need to give users more autonomy and control over both the flow and friction of the money stored in their digital wallets.
Creating money management tools that are embeded in an intuitive phone-based application will require substantial human-centered innovations.
