The Consortium oversees the development of a growing body of research that seeks to put financial services for the poor, with an emphasis on the impact of savings, second generation banking, and policy, on a firm empirical and theoretical foundation and serves as a reliable guide to effective action. It is composed of top-tier researchers across a variety of institutions who work to understand the impact of financial products, the macro and micro policies that are associated with financial access, and technological innovations in financial service delivery.