Objective: 

The aim of this study was to understand parents'/guardians' experiences and aspirations around economic mobility and their impact on the acceptability and use of financial services embedded in frequented, trusted settings such as schools and pediatric clinics.

Method: 

We recruited 18 English-speaking guardians with at least 1 child enrolled in a school for low-income families and eligible for Internal Revenue Service-sponsored free tax preparation. Each participant completed a semistructured interview before tax filing; a subset completed follow-up interviews. We used grounded theory analysis.

Results: 

We developed the following theoretical model based on our key thematic findings to describe the acceptability and use of financial services within the context of guardians' lived experiences and pre-existing efforts to build economic mobility: Families experience multilevel barriers to economic mobility. Despite these barriers, guardians are proactively working to build economic mobility by empowering the next generation with knowledge, skills, and assets and resiliently pursuing economic goals. As a result, guardians will accept empowering, nonjudgmental, expert, and trustworthy financial services that contribute to their existing efforts. To move from acceptance to use, financial services must be effectively publicized, accessible, and supportive.

Conclusion: 

Financial services may be more acceptable and used if they are embedded in trusted organizations and have expert, supportive staff with lived experience who empower guardians to work toward their economic goals, accessible platforms, and effective publicity. These characteristics may facilitate uptake and economic mobility. Trusted organizations serving young families can partner with financial services to test these findings and help families build economic mobility.

中文翻译：

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将金融服务嵌入到经常光顾、值得信赖的环境中：以家庭现有的经济流动性努力为基础

客观的： 

本研究的目的是了解家长/监护人在经济流动性方面的经验和愿望，及其对学校和儿科诊所等经常光顾、值得信赖的环境中嵌入的金融服务的可接受性和使用的影响。

方法： 

我们招募了 18 名讲英语的监护人，其中至少有 1 名孩子在低收入家庭学校就读，并有资格享受国税局资助的免费报税服务。每个参与者在报税前都完成了半结构化面试；一部分完成了后续访谈。我们使用扎根理论分析。

结果： 

我们根据我们的关键主题发现开发了以下理论模型，以描述在监护人的生活经历和现有的建立经济流动性的努力的背景下对金融服务的可接受性和使用：家庭经历了经济流动性的多层次障碍。尽管存在这些障碍，监护人仍在积极努力建立经济流动性，为下一代提供知识、技能和资产，并坚定地追求经济目标。因此，监护人将接受赋权、不带偏见、专家且值得信赖的金融服务，这些服务有助于他们现有的努力。为了从接受转向使用，金融服务必须得到有效的宣传、获取和支持。

结论： 

如果金融服务嵌入到值得信赖的组织中，并拥有具有丰富经验的专家、支持性工作人员，使监护人能够实现其经济目标，提供可访问的平台和有效的宣传，那么金融服务可能会更容易被接受和使用。这些特征可能会促进吸收和经济流动性。为年轻家庭提供服务的值得信赖的组织可以与金融服务机构合作来测试这些发现并帮助家庭建立经济流动性。