WORKING PAPER 4.2. Key Research Findings from India ........................................................................................... 17 4.2.1. Research Findings on Clients’ Experience and Engagement with the Mobile-Phone-Based Training .............................................................................. 17 4.2.2. Research Findings on the Behavioral Drivers of Client Disengagement ................... 19 4.2.3. Research Outcomes: Training Design Modifications for Phase 3 of the Project ................................................................................................................. 24 Section 5: Conclusion ....................................................................................................................................... 26 5.1. Key Insights from the “Clients at the Center” Research ......................................................... 26 5.1.1. Financial Heuristics Is Universally Applicable ............................................................. 26 5.1.2. Choosing the Right Audience Matters ....................................................................... 27 5.1.3. How You Deliver the Message Matters ....................................................................... 27 5.2. Key Next Steps for Phase 3 of the Financial Heuristic Scale-Up Project ................................ 27 5.2.1. Implementation of the Financial Heuristics Training Intervention ............................ 28 5.2.2. Evaluation of the Effectiveness of the Financial Heuristics Training ......................... 28 References ......................................................................................................................................................... 28 Appendix A: Financial Heuristics Curriculum: Key Topics ............................................................................ 29 vi