This project is dedicated to the Philippines; a country where 86% of households are unbanked. An international family card allows an international Filipino worker to transfer money from an app to a spending card, which their family in the Philippines has. The card only uses an online exchange rate, so it essentially cuts out the middleman. This means more essential funds can reach families in the Philippines. For: Digital McKinsey URL: www.dandad.org/awards/new-blood/2018/digital-mckinsey/3251/balikbayan/ Awards: D&AD New Blood Pencil