The experiment began with 1,920 households in total across 64 villages surveyed at baseline. 23 of the 64 villages were dropped from the sample because surveyors were collaborating with participants to ensure they received the high level incentive. This left 1,230 households. 736 of these households did not have a bank account, qualifying them for the experiment. 564 out of 736 households ultimately agreed to participate in the experiment. Of these, 274 were randomly assigned to receive an invitation to participate in a 2 hour financial literacy training program (held within one month of the baseline survey). All 564 participants were randomly assigned to either a low, medium, or high incentive level. All participants were offered a bank account and our main outcome variable of interest is whether the household opened a bank account. Whether a household opened a bank account is measured by financial incentives claims—if participants mailed a postage-paid form indicating their name and bank account number within 2 months of the intervention, they received either 25,000, 75,000, or 125,000 Rp. A follow up survey was conducted 2 years later amongst households who had opened an account to assess the persistence of account opening and usage.