Financial systems are not neutral, they are embedded in broader social and gendered contexts and are shaped by them.

Being gender-inclusive in financial tech (fintech) design inherently requires a trauma-informed lens. Fintech tools are often designed from a gender-neutral perspective, which assumes all users have similar needs, risks, and relationships to money. This approach overlooks how financial control and coercion are gendered.

This factsheet outlines the principles of the trauma-informed approach, their definitions and examples of their application to financial technologies.

This brief present three key principles to guide the development of effective responses to technology-facilitated financial abuse in the context of Intimate Partner Violence (IPV). Identified through literature from Canada, the United States, Australia and the United Kingdom and grounded in consultations with survivors.

Service providers are incorporating these principles when designing solutions and practices to better support survivors, reduce harm, and prevent the misuse of financial technology. The brief outlines case studies of emerging, innovative practices that reflect these principles, aiming to enhance survivor safety, promote trauma-informed interventions, and raise awareness of this growing form of abuse.

The term innovative practices is used intentionally rather than “promising” or “best practices,” as these initiatives are still relatively new and require further evaluation to fully understand their effectiveness and long-term impact.

Economic and financial abuse impacts every part of a survivor’s life, causing stress, anxiety, depression, and a loss of self-esteem. It often leads to poverty, housing instability, and limited career opportunities. The social impacts can include feeling isolated and becoming financially dependent on their partner/spouse. Legal and financial consequences include coerced debt and legal vulnerabilities.

This visual report outlines the social impacts of financial and economic abuse, and real-life examples of survivor experiences.

While research on financial abuse as a form of intimate partner violence remains limited, financial abuse is commonly used to exert power and control over women, often occurring alongside other types of abuse. This form of abuse is impactful because it strips individuals of financial freedom and independence, with lasting effects such as damaged credit and housing instability. 

This visual report explores what constitutes financial and economic abuse, real-life examples, and practical steps to protect your financial well-being. 

Intimate partner violence is closely connected to women’s economic security, including their income, employment, and housing. Research has shown that intimate partner violence both directly and indirectly impacts survivors’ ability to work and maintain employment. This can be compounded by other factors, including gender, race, and age. Racialized women face systemic barriers to economic equality and are more likely to be in precarious and low-income employment than non-racialized women.

This research report draws on qualitative data gathered through surveys and interviews with racialized survivors. The report explores the experiences of racialized survivors in accessing and maintaining employment. It discusses the impact that trauma from racism and intimate partner violence has on women’s employment and what is needed to better support racialized survivors to access and maintain meaningful employment.

Intimate partner violence is directly connected to women’s economic security, including survivors’ employment and career progression. Studies show that intimate partner violence is associated with job instability and job loss. Furthermore, the barriers to employment for some survivors is compounded by structural discrimination.

This literature review explores existing research on the relationship between employment and intimate partner violence, with a focus on the experience of racialized survivors. It examines the impact of intimate partner violence on employment stability, the barriers faced by survivors in the workplace and the impact of structural racism on racialized survivors’ employment. Lastly, the review looks at promising practices for supporting survivors to access and sustain employment.

Employment sabotage and disruption can include tactics to prevent a survivor from working as well as making it difficult for a survivor to maintain work. These tactics can be used both outside of the workplace and in the workplace.

This infographic introduces the definition of employment sabotage, examples of employment sabotage and workplace responses.

Intimate partner violence can have a significant impact on women’s economic security and employment. It can lead to job instability and loss. This can be because of poor mental health, trauma, relocation and sabotage by an abusive partner. For racialized women with experiences of intimate partner violence, this can be compounded by structural barriers and racism.

WomanACT consulted organizations that serve survivors of intimate partner violence and organizations that specialize in employment services for women on the barriers faced by organizations and survivors. The report explores what we heard from services providers, including their ideas for advancing survivors economic security and employment.

As we enter a third wave of the pandemic – what is showing to be the harshest wave yet – the provincial government must implement paid sick days.

Paid sick leave is a critical component of a pandemic response and yet, despite a call for paid sick leave from municipal governments and health authorities, the Ontario government has not implemented paid sick leave. Paid sick leave would help reduce the COVID-19 variant spread.

Paid sick leave is a gender issue. Women are less likely to have access to paid sick leave. Workers without paid sick leave are more likely to be in roles that are low paid and involve direct contact with others, like working in grocery stores, long-term care, or cleaning services. These roles are disproportionately held by women, particularly racialized women.

We cannot wait any longer to legislate paid sick days.

Take action now and tell the Ontario government you support paid sick days.

Achieving an income-security system that addresses the structural forces that contribute to women’s inequality is a high priority for Violence against Women sector representatives and is an essential step to eliminating violence against women. Gender, income inequality and violence against women are interconnected. Violence can keep women in conditions of poverty and economic dependence, and poverty or fear of poverty can limit women’s choices and keep them from leaving abusive situations.

This policy brief is a response to Income Security: A Roadmap for Change, a provincial report that lays out recommendations and directions for the future of an income-security system in Ontario. The policy response makes recommendations in relation to a housing benefit and social-assistance programs.