Digital tools such as mobile money can help improve access to financial services for underserved people and businesses.  However there is limited evidence on the adoption of digital tools for financial inclusion in vulnerable countries such as Haiti.  IDB Invest and the Busara Center for Behavioral Economics partnered to conduct a detailed investigation of the use of digital tools among the clients of a microfinance institution (MFI) in Haiti. The study includes a review of the evidence on the impact, barriers, and enablers of digital tool usage; a quantitative analysis of the Haitian MFI’s administrative data; and a qualitative study with a subset of the MFI’s customers. It concludes with a series of recommendations for MFIs to better integrate digital tools into their operations.