The changes to DART's fare system will target improvements in the user experience for residents without bank accounts or enough cash to buy monthly passes—i.e., some of the people who need transit most.

"[Dallas Area Rapid Transit] and a Silicon Valley company are overhauling the agency’s fare payment system so that cash-only passengers next year will be able to use smartphones and reloadable electronic fare cards — instead of exact change and paper tickets — to move around North Texas," reports Brandon Formby.
The fare system is designed to help passengers without bank accounts or debit cards access the DART system. According to Formby, the system fills a specific need in Dallas, which has one of the highest populations of "unbanked" residents.
The article includes more details about additional features of the new fare system that are designed to target people without bank accounts or large amounts of cash. Formby also describes such critical details as how DART will enforce fares under the new system.
FULL STORY: No debit card? No problem, with DART’s new fare system

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UCLA Lewis Center for Regional Policy Studies
Mpact (formerly Rail~Volution)
Chaddick Institute at DePaul University
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HUDs Office of Policy Development and Research