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No one wants to be told to each their vegetables.
Targeting financial applications to consumers for spending and investing has to do something besides tell them that their f&*k'd on their goals. IMHO.
It's still early days in this space...
Like diet and weight-loss apps must battle the appeal of junk food designed to be addictive, spending and saving apps must help shoppers resist all manner of temptations dreamed up by advertisers and marketers. And any new credit product for the poor would have to elbow aside the firmly established predatory lenders. So the biggest worry is not that these new behavioral self-help apps will take advantage of customers: It’s that these products, so far unproven, fail to make a dent in the vast apparatus already distracting people from their best intentions.
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