Yung Soo Lee is a Research Analyst for YouthSave, and is an Assistant Professor at University of Incheon. Along with Lissa Johnson, she led the research for the findings reported here, with these research partners: the University of Los Andes in Colombia; the Institute for Statistical, Social, and Economic Research at University of Ghana; the Kenya Institute for Public Policy Research; New ERA in Nepal; Columbia University; and the University of North Carolina.