Trust people, not institutions
Openbox spent four weeks on site with a range of small and large employers and their respective workers. Through interviews and informal conversations, we learned that many workers were skeptical—and sometimes fearful—of traditional banking. People told stories of being mistreated, misunderstood and ignored by banks. They felt their financial goals were too small to be taken seriously so they defaulted to the predatory practices of check cashing services, credit cards and local lenders, or relied on the advice of friends and family.