Our Approach

Despite significant progress in recent decades, being financially included does NOT mean being financially healthy. This is because many public and market systems operate sub-optimally, produce poor outcomes, and fail to provide equitable opportunity for all. Structural inequalities are pervasive.

In response, we work with leaders and decision-makers — in public, government, and private sectors — to help make systems more effective, inclusive, and just. Our approach draws from both experience and evidence; it evolves as we learn from our partners and practice. We strive to address the root causes of economic inequality and transform systems to achieve equitable outcomes for millions.

Our Methodology


Our first step is identifying the problem we want to solve. While this may occur in many ways, a successful model is when the involved stakeholders come together with researchers to identify key priorities and assess them through data analysis and economic insights to identify a collective question that can be feasibly approached.


We work closely with partners, again using insights from economic theory and empirical evidence, to diagnose the market or system failures that underlie the identified problem. Big data and existing research can often help distinguish among potential explanations and screen for underlying causal factors.


We apply our collective expertise to design innovations that adhere to economic principles and are well-supported by evidence. Monitoring and feedback mechanisms are built into every design, often including new tech-based platforms so we can collect and learn from the implementation data.


We test solutions to ensure they are financially, administratively, and politically feasible and then deliver the most effective solution to target beneficiaries via our project partners. Smart data systems capture key indicators of implementation progress to enable continuous problem-solving and learning.


Our approach emphasizes rigorous testing at relevant scale, with scientific methods of evaluation used to measure impact – often comparing several designs via large-scale field studies that draw on tools such as randomized controlled trials. Testing the outcomes of the highest potential solution(s) provides key information on how best to improve and refine.


Our method is an iterative approach, where the lessons learned at each stage are used to refine existing designs and identify the next set of objectives and challenges. During this stage, we may decide that it would be most advantageous to return to a previous point in the process to solve problems or integrate new knowledge. The aim is to use evidence to generate a cycle of continuous policy and programmatic improvement.

We Think Differently.

FinMango was founded on the understanding that money is a complex subject that is highly personal and contextual--approaching it differently can play a critical role in supporting young adults around the globe. This requires international organizations, companies, and government agencies to confront history, shape new narratives, and collectively heal and build new possibilities for the future.

We are a collective of engineers, designers, lawyers, artists, researchers, and professionals representing all regions of the globe. We are united in our vision of a world where there is financial equity for all young adults.

We disrupt systems that endanger the financial health of young adults.

As an organization, our work aligns with this “complex,” or systems, context. This means that our approach is all about probing, sensing, and then responding with an understanding that the system is dynamic and we cannot predict what will happen. Solutions can’t be imposed; rather, they emerge from the circumstances and are often put into action through influence. We focus our work on the complex context of young adults around the world and their financial health, and, more specifically, on their stability during times of transition and financial shock.

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