Insights from Conversations with Financial Consumers

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At the 2012 Face of Finance Conference, at Bentley University, in Waltham, MA, Mona Patel (Motivate Design) and Meena Kothandaraman (Bentley University) presented "Insights from Conversations with …

At the 2012 Face of Finance Conference, at Bentley University, in Waltham, MA, Mona Patel (Motivate Design) and Meena Kothandaraman (Bentley University) presented "Insights from Conversations with Financial Consumers".

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  • 1. !INSIGHTS   FROM   CONVERSATIONS FINANCIAL ! WITH   CONSUMERS   !   @monapatel
  • 2. “   AVERAGE DEBT THE CREDIT CARD ! IN THE US IS $15,325 PER HOUSEHOLD. ! ! july 2012! ”   federal reserve bank!
  • 3. THAT SEEMS IRRESPONSIBLE.
  • 4. Meet Padma.§  Didn’t start thinking about money until after she graduated college.§  Currently seeking a financial advisor.Learn about her financial decisions here
  • 5. Meet Megan.§  Didn’t start thinking about money until after she switched jobs.§  Has a love/hate relationship with money.Learn about her financial decisions here
  • 6. ?what does it mean to be 
 financially responsible
  • 7. SAVE MORESPEND LESSHAVE A GOALHAVE A PLAN
  • 8. combination of: behaviorexperiencepersonalitydrive beliefs + attitudes + actions + motivation
  • 9. feel:ACCOUNTABLEhave:GOALSROUTINESDISCIPLINE use:TOOLSPROCESS COMMUNITY
  • 10. IT’S EASY, RIGHT?
  • 11. WHY AREN’T PEOPLE!FINANCIALLY RESPONSIBLE?
  • 12. need vs. want splurges! necessities! wants!
  • 13. infographic source: lifetuner!
  • 14. I spend what I deserve;not what I earn
  • 15. it’s hard “YOUD PREFER TO STAY STUPID RATHER THAN LEARN SOMETHING NEW.” “having the wrong mindset is keeping you poor”! business insider, 11-2011!
  • 16. it’s america… debt is normal  
  • 17. i don’t know what to do…
  • 18. I KNOW WHAT TO DO.
  • 19. i can’t.
 i won’t.

  • 20. so, what   them?
  
  • 21. mint, manilla and yodlee!
  • 22. chains.cc!
  • 23. my fitness pal!
  • 24. nest!
  • 25. avocado!
  • 26. hello wallet!
  • 27. thank you! @monapatel