BEHAVIOURAL FINANCE, ENGAGEMENT, GAMIFICATION

Veridicality

Money is the widely adopted medium for the exchange of value in our game of life. It has become an overarching fitness payoff sometimes ahead of health and happiness. For years, law makers, financiers and educators have been trying to teach people the truth about money.  That it has a set of properties and behaves in a certain way within time, space and motion. The challenge with this approach is that these methods do not correlate with the way people respond to the world about them. We respond not to the truth but to the reward of fitness payoffs. This has important ramifications for how we approach financial fitness

September 11, 2022
DESIGN-THINKING, ENGAGEMENT, ENTREPRENEURSHIP

Which direction goes the race?

Determining the direction of the digital banking race should be easy enough. It's a race for the customer. But in what direction does that customer lie? Riddle me this Batman: where is she? As puzzling as a chameleon inside a packet of Skittles. For the last couple of years the answer has lain in onboarding. Come up with a snazzy looking app with a catchy tag line and onboard the customer within a couple of minute before they lose interest and abandon the process. Tick Tock, Instagram and doom scrolling have driven the attention span of the average mobile phone user to less than 12 seconds. Hurry up! Go faster! To capture the next genration of customer, the Millenials and GenZ's , everyone seemed to get the message. "Get them before they change their mind" KYC technologies errupted with Silicon Valley  and Bank VCs chasing them hard. Take a selfie, upload some identity docs, conirm they are in your market, validate they're real, compare them, if all good, give the customer an account. 

September 7, 2022
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