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The Wall Street Journal's first Financial Inclusion Challenge in the U.S. concluded with three finalists facing a panel of judges to answer questions about the impact and sustainability of their work. Hope Credit Union, based in Jackson, Miss., received the evening's top honors for its efforts to provide banking services in underserved regions of the American South. Video/Photo: Clara Ritger for The Wall Street Journal


https://m.wsj.net/video/20180510/20180511_ficevent/hls/manifest-hd-wifi.m3u8

WSJ's Financial Inclusion Challenge Winner: Hope Credit Union

Nearly one-fourth of U.S. adults can't pay their monthly bills, and have little or no access to a bank. Many more have no retirement savings. This video series highlights Americans' economic struggles and efforts to provide them with greater financial security.

Based in San Carlos, Calif., Oportun is a community development financial institution whose aim is to help people with little to no credit history get affordable loans and build a credit history. The organization is one of three finalists in The Wall Street Journal's 2018 Financial Inclusion Challenge.

https://m.wsj.net/video/20180425/04252018-inclusionvid11-oportun/hls/manifest-hd-wifi.m3u8

Oportun: Using Technology to Help Low-Income Workers Build Credit

Brooklyn-based Propel designed a smartphone app called Fresh EBT​ -- available in all 50 states -- that makes it easier for people to check their food-stamp balances. The company is one of three finalists in The Wall Street Journal's 2018 Financial Inclusion Challenge.

https://m.wsj.net/video/20180425/04252018-inclusionvid10-propel/hls/manifest-hd-wifi.m3u8

Propel: An App That Makes Checking Food-Stamp Balances Easier

Hope Credit Union, based in Jackson, Miss., is one of the only banks serving the Delta region, where communities have a historic distrust of the financial industry and many banks have shuttered branches. Hope is one of three finalists in The Wall Street Journal's 2018 Financial Inclusion Challenge.

https://m.wsj.net/video/20180424/04242018-inclusionvid9/hls/manifest-hd-wifi.m3u8

Hope: A Credit Union on a Mission in the Mississippi Delta

More than 30 million full-time workers don't have access to a retirement plan at their workplace, nor do millions of part-time or independent contractors. Oregon is among five states in the country now requiring employers to automatically enroll workers in a Roth IRA retirement savings plan. Employees can opt out, but if too many do, the plans could fail.

https://m.wsj.net/video/20180410/04102018-inclusionvid8/hls/manifest-hd-wifi.m3u8

Saving for Retirement: How Auto-IRA Plans May Secure the Future

When disaster strikes, having a safety net like flood insurance, a stable income, or savings can mean the difference between getting back on your feet, and living every day among the wreckage. We profile two families in Houston still recovering from Hurricane Harvey six months after the storm. 


https://m.wsj.net/video/20180326/032618ficharvey1/hls/manifest-hd-wifi.m3u8

Weathering the Storm: Struggles Continue After Hurricane Harvey

For an increasing number of Americans, a patchwork of gig work is the norm, while others have become so-called independent workers because they take second jobs through digital platforms like Uber or Etsy to make ends meet. But nearly all face the challenges of inconsistent income and access to benefits. 

https://m.wsj.net/video/20180321/032118-fic-gigeconomy/hls/manifest-hd-wifi.m3u8

America's Changing Workforce: Independent and Gig Workers

For small businesses in Philadelphia and across the country, getting capital to operate or expand can be costly as traditional banks are often reluctant to extend small loans or work with risky new ventures. Enter online lenders, which typically approve loans quickly but also carry high annual percentage rates with tough payback terms.

https://m.wsj.net/video/20180306/030518smallbusiness2/hls/manifest-hd-wifi.m3u8

Small Businesses in America: Costly Credit and Growth Challenges

In Trenton, Tenn., and similar rural communities around the country, many residents are underinsured or uninsured and struggle with medical costs, often forgoing care. This burdens local hospitals, which in turn close or scale back care, putting patients at risk. 

https://m.wsj.net/video/20180309/02212018-financialinclusionvid2/hls/manifest-hd-wifi.m3u8

Health Care in America: Insurance Gaps and Medical Deserts

Student debt in the U.S. has reached record levels, making higher education out of reach for many people. In New York City, a program called ASAP is gaining national attention for helping students earn a college degree and escape the burden of loans they would struggle to repay. 

https://m.wsj.net/video/20180207/02072018-inclusionvid3_v2/hls/manifest-hd-wifi.m3u8

Student Debt in America and the Hope of Affordable Education

Many families in Tchula, Miss., struggle to make ends meet with a patchwork of jobs and high-interest loans. Community leaders and the town's only bank try to help, but the cycle of despair isn't easily broken.

https://m.wsj.net/video/20180125/012618ficmiss/hls/manifest-hd-wifi.m3u8

A Portrait of Poverty in America: Job Insecurity and Payday Lending

Across the country, Americans' financial stability is strained, with unsteady incomes and record levels of debt creating gaps in financial inclusion and pushing traditional milestones out of reach. Image: Sara Haralson

https://m.wsj.net/video/20180108/01082018-2inclusionvid1/hls/manifest-hd-wifi.m3u8

Financial Inclusion in America