The evaluation of a pilot in India among about 10 000 employees of 11 garment factories (the majority of whom were women) indicated that after the programme women were 39% less likely to report needing help using an ATM, had a better grasp of bank terminology, and were 44% more likely to report saving some of their income for personal needs. Most male employees already knew how to withdraw money and were already saving, so their behaviour was less impacted than that of women. Findings also suggest positive results in terms of women’s empowerment, as women were also 23% more likely to say that they decided how to allocate their salaries and were twice as likely to report discussing household spending decisions with family members (Ghuliani and Goldenberg, 2015). A random group of clients of India’s largest women’s bank, SEWA Bank, were invited to attend a programme including business counselling and basic financial literacy training (Field et al.,