We’re pleased to share with you our July 2016 newsletter.

This issue of RIO includes recent studies on financial inclusion for Hispanic migrants in the United States, with a special focus on implications for remittances. We present the newest data on issues such as income volatility, financial assets, and relationships with financial institutions, and discuss what they mean for the financial well-being of customers.

This issue also presents a country profile for India, particularly as it pertains to the U.S., including a review of migration trends, inbound remittances, and updates on how new financial inclusion efforts are affecting payments.

India has topped the list of remittance-receiving countries, with an estimated $69 billion in family remittances in 2015. The Indian market is interesting not only for its size and complexity, but also for its recent regulatory reforms and efforts to promote universal financial access.

Thank you for your continued support of RIO. As always, we welcome your ideas, feedback and collaboration on this initiative.

Best regards,
Manuel, Laura and Julia