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Under the right circumstances, financial inclusion, stability, integrity, and consumer protection (I-SIP) can be positively related, and the failure to consider any one of these objectives can lead to problems.
Dr. Dean Karlan, Dr. Nava Ashrad, and Dr. Wesley Yin conducted an experiment in the Philippines, where they offered commitment savings products to a subset of 710 randomly selected clients of a Phillippine bank. Since after 12 months the average savings balances increased, this study demonstrated that commitment savings products can result in lasting change in savings beyond the initial, positive short-term response to the new product.