Home in every transfer : the human stories behind migrant remittances

Every year, billions of dollars cross borders. But what travels with the money is often invisible: love, sacrifice, and hope for a better future.

The book takes you beyond the statistics of the global remittance market to reveal the human heart beating at its center. Drawing from research conducted at Lund University, the author invites you into the Lives Between Worlds of millions of labour migrants who leave everything behind to support their families from afar. Its relevance to the global economic conversation is undeniable. The insights from this book were selected for the On-Demand Library of Financial Inclusion Week 2025 by the Center for Financial Inclusion (CFI). As a featured resource in this significant event, the book stands as a trusted guide for understanding the future of inclusive finance.

Focusing on the real-life experiences of Vietnamese migrant workers and their families, the book uncovers a hidden ecosystem of resilience. It challenges the standard narrative, revealing how migrant households navigate complex banking systems, manage debts, and utilize community trust networks to survive and thrive.

This book offers more than just stories; it offers solutions. It serves as the manifesto for UPCorp Global, a social venture with a vision to bring personalized financial knowledge to the millions of migrants and families who need it most.

By reading this book, you are not just learning about the problem. You are funding the solution. 100% of the proceeds from this book are for UPCorp Global to build essential, culturally grounded financial knowledge and tools for migrant workers and their families.

In this book, you will discover:
- The Strategic Unbanked: Why many migrants avoid formal banks for rational, strategic reasons, and how financial institutions often misunderstand their needs.
- Social Technology: How trust functions as a currency, and how informal networks outperform traditional accounts in building community resilience.
- Authentic Voices: Case studies that humanize the global economy, from managing debt pressures to balancing transnational relationships.
- Vision: A pathway toward empathy-driven financial literacy and an empowering financial system.

Whether you are a philanthropist, a development practitioner, a fintech innovator, or a global citizen who believes in the power of financial inclusion, this book will change the way you see every dollar sent home.

Read the stories. Understand the journey. Fund the future.