Hurricane Ian Destroyed Their Homes. Algorithms Sent Them Money

The mobile phone is doing more than revolutionizing communication. It has the potential to improve many aspects of life in poor countries: commerce, health, agriculture, education - public health, especially, is being revolutionized by governments taking advantage of the mobile revolution by texting advice or sending voice messages to pregnant women, texting reminders to AIDS patients to take their meds, tracking the spread of diseases, allowing community health workers to keep records electronically and variations on all these themes.

Low-income students are always looking for ways to finance their education. A new system using “human capital contracts” to pay for higher education isn’t as scary as it sounds.

54 million people in the United States, and 4.5 billion globally, have no credit to their name - making it nearly impossible for them to buy homes, apply for jobs and receive loans. Investors and lenders make an effort to help those with 'invisible credit' scores in financing essentials like homes or cars.

Government benefits to aid the poor are frequently left unclaimed, leaving children hungry, young people unable to finish school, and opportunities for stable housing and preventative health care unused. New York City-based program Single Stop connects people to benefits for which they may be eligible. Importantly, Single Stop has served community colleges where disadvantaged students can use the assistance to help get through school.

The 2008 recession’s job losses spurred a development of a Do-It-Yourself economy. With the advent of Uber, Etsy, Airbnb, and others, the marketplace has become full of micro-entrepreneurs who thrive with independent web-assisted businesses.

When you don’t live in a city, if you don’t have a car, you don’t have a job. But car payments can eat up a salary quickly - a New England program offers low-cost car loans to people who need them most.

Felons get out of jail owing hundreds or thousands of dollars in court and parole fees, acting as an often insurmountable barrier preventing them from reintegrating into society and staying out of jail. What's worse, these fees often end up costing the state more than they produce. Two columns on a program called the Clapham Set, which erases or reduces debts for felons who take classes and job training.

In war zones, people have a difficult time finding clean water and safe areas to inhabit. Social media, smart phones, and technology applications are aiding in people’s survival. In Aleppo, Syria, the International Committee of the Red Cross posted a map on Facebook to show alternative sources of clean drinking water that reached approximately 140,000 people.

An average of 28,000 children born in the U.S. each year die before their first birthday – and many more face disabilities and serious life-long health problems, often because they are born prematurely or at low birth weights. A free service, text4baby, delivers crucial health advice via text message to pregnant women and new mothers.

This is a column on an important new development program in use in at least 40 developing countries: give the poor cash payments, contingent on their use of health clinics and their children’s school attendance, to help break the cycle of poverty.