The problem
Nobody teaches it. Everyone pays for it.
Credit reports, interest rates, overdraft fees, tax credits and payment apps decide a great deal about a household’s life, and almost nobody is taught how they work. The people who learn the hard way are the ones who can least afford to: young adults with a first paycheck, newcomers to a country’s banking system, older adults singled out by scammers, people rebuilding after debt or prison.
What Moraph brings
The work Moraph does for financial services.
Moraph builds the systems banks and credit unions run on: account opening, fraud and anti-money-laundering monitoring, lending and compliance. Our people spend their working days on how money moves, how lenders decide and how fraud gets through. Fluent turns that knowledge into plain, practical lessons, with nothing to sell.
Moraph has three industry divisions: financial services, healthcare and government. Financial literacy is what our financial services people know, given to the public.
Who hosts
Organizations people already trust.
Sessions happen where people already go. If your organization serves the public in one of these ways, in a country where Moraph has an office, you can apply. If you are not on the list, apply anyway and tell us who you serve.
- 01
Public libraries, schools and community colleges
- 02
Credit unions, community lenders and free tax clinics that run financial education
- 03
Workforce, reentry, newcomer and refugee services
- 04
Senior centers and organizations working with older adults
Programs that fit
Where to start.
The program for financial literacy, and the partner support that usually goes with it. Compare all programs
- Fluent
Financial literacy from people who work in finance
Sessions on budgeting, banking, credit, borrowing, tax time and scams, taught by Moraph people from financial services at a place your community already goes.
- Pathways
Careers in finance, health and government technology
Routes into the technology work behind banks and credit unions, for learners who are rarely shown one.
- Pro Bono
Moraph people on your hardest project
For credit unions, community lenders and free tax clinics: a scoped project, such as plain-language forms or moving client records off spreadsheets.
Bring Fluent to your community.
One short form about your organization and the people you serve. A person from the Moraph for Good team reads every application and replies.