Our Approach

Given the challenge posed by the current U.S. economy, we work at both the grassroots and systemic levels. We leverage research and insights from behavioral economics* to create interventions that engineer beneficial money management behaviors in individuals. We use a similar approach to instigate institutional and systemic behavior change to overcome the barriers that negatively impact low-income communities. We line up incentives with goals and then track, report, and refine.

By taking this approach, we help people develop their financial survival skills and use civic engagement as an asset-building strategy. We are also changing the marketplace by demonstrating that fair, safe, and effective financial products and services are a sustainable best practice.

Poverty is not a character flaw, rather a policy choice.


*Behavioral economics combines the disciplines of psychology, sociology, and economics to understand how financial choices are made and how financial decisions can be improved to produce better results.

Our Impact

Ty Bender

Community Financial Resources has been one of the most beneficial financial moves that I have made in my life. I enrolled in the Focus Card to receive my financial aid disbursements via direct deposit avoiding the high fees attached to cashing checks, and I use the savings account reducing the emotional burden knowing that my money is safe and secure. I am so grateful for Community Financial Resources!


Prepaid Cards issued

$7 million

Banking and cashing fees avoided


Total deposits to the Focus Card in 2023


Total deposits to savings in 2023

668 & 73 Points

People with no prior credit score established a score of 668. People improving their credit increased their score by 73 points.

2 million

Lives impacted


Decrease in personal financial stress.

Vince Garrett

Using the Focus Card (and app) has been simple, user friendly, and very convenient. I was ablate set-up direct deposit for my pay, pay most of my bills online and make purchases with it. I love the Card… it’s my go to for everything!

CFR Logo

About us

Community Financial Resources is a solution-provider. We see a world where everyone has the tools needed to have financial stability, protect their assets, and establish a foundation to build wealth. We promote economic justice and fairness by providing financial inclusion solutions based on the latest research, backed by our financial industry partners, and delivered by organizations representing the communities we serve.