Private debt is a massive and increasing becoming THE economic issue in places like Australia and the US. These are the accumulated decisions made everyday by all of us.
Currently almost all bank design is centered around efficiency. PayPal, PayPass, internet banking; it’s all about being quicker and easier.
We feel the an opportunity is being missed. Design alters behavior. Why not use the design of banks and money in the 21st century to improve decisions? If we don’t, who knows what behaviors we will create.