Daryl Collins deeply examines the financial behavior of low-income households and the business case for providing financial services. Her extensive experience managing financial diaries across various countries has enabled her to conduct foundational research. Collins brings an emerging market and academic perspective to her work, enriching her analysis. Her research highlights the connection between understanding financial practices and developing sustainable financial solutions for the poor.
In this work, the authors report on the yearlong 'financial diaries' of villagers and slum dwellers in Bangladesh, India, and South Africa. The stories of these families are often surprising and inspiring.