Asset Building Financial Inclusion Perspectives & Testimonies

The Universal Model in SEED

The Universal Policy Model and Research (“Universal Model” or UM) is a key part of the multi-faceted SEED initiative. In the selected state, the SEED UM will test the policy idea of universal and progressive accounts at birth. Research for the Universal Model will consist of an Experiment, with random assignment of SEED participants and controls, Account Monitoring Research, and In-depth Interviews.

Project: SEED for Oklahoma Kids (SEED OK)


Sherraden, M., & Clancy, M. (2005, September). The universal model in SEED. St. Louis, MO: Washington University, Center for Social Development.