Lens on, hands on: An Intersectional Guide to Financial Capability Program Development

‘Lens on, hands on’, is a practical guide for people who develop and deliver women’s financial capability and wellbeing programs to apply intersectionality in their thinking and practice.

Seeing through an intersectional lens requires us to understand the experiences of women who face more than one form of unequal treatment and discrimination in their lives. These people are often up against a combination of oppressive systems and power structures, all working together to exclude or keep a person down.

In the guide, Intersectionality is described as a thinking tool to examine how power dynamics and structural barriers impact women’s experiences with money.

The Practice Principles and Tools contained in the Guide can be used by those who design, adapt or deliver programs.

The contents of this guide were led by a co-design process with women from these specific communities who, collectively, brought a range of experiences and expertise in financial capability and Intersectionality. This guide is possible thanks to their generous contributions.

To help us improve our work and to know what is working to increase intersectional approaches to financial capabilities, please assist us by filling out this short survey


This guide is part of the Women’s Financial Capabilities Project: a three-year pilot project by WIRE in partnership with Good Shepherd Australia New Zealand.

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