An impact evaluation revealed that after completing the programme, a third of participants started building emergency funds, and that more participants were better able to smooth consumption, even though debt reduction was still a problem for many participants. Garment-factory workers are increasingly paid through digital direct-deposits, but many are transacting with a bank for the first time, and do not know how to use their new bank accounts or how to withdraw their salaries from an ATM. The programme covers budgeting, saving, financial planning, responsible borrowing, discussing finances with family, and using local financial services, not only through scheduled educational sessions at work but also informally, in casual conversations.