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Ecstra Foundation takes a systems approach to grant-making, focusing on partnerships, programs, and people to build financial capability and wellbeing. They evaluate and share outcomes and insights to drive effective financial education. The foundation supports consumer organizations, community legal services, financial counselling bodies, sector peaks, and front-line service providers to address structural barriers to financial inclusion. [17, 18] They also work directly in communities, schools, and other learning environments to design, deliver, and measure financial education initiatives. Ecstra advocates for the crucial role of financial wellbeing in overall health to influence policy and drive systemic change. [18] They prioritize accessible and inclusive programs, often focusing on those in lower socio-economic areas and regional/rural locations. [4, 19]

ACF believes in 'the power of giving together' - pooling resources from multiple funders to achieve greater impact than isolated giving. They focus on systemic change through civil society partners working on policy and regulation reform, not just incremental charitable support. Their approach includes 'wraparound support' beyond funding, such as mentoring and connections between grant partners. They identify priority issues through collaboration with community and civil society experts, leverage funding through co-funding arrangements, and measure success by policy reforms and social infrastructure created rather than output volumes alone.