To start experimenting immediately, the agency could start with the creation of a simple hotline number, using one of the new breed of low-cost and fast setup platforms such as Twilio. With a few hours’ work, they could add simple voice prompts, offering callers a menu of financial problems to choose from. In the first version, the prompts could be drawn straight from the existing research. Instead of a caseworker on the line, each prompt could offer the caller useful information about how to solve her or his problem.

