Download - The Human Future of Money
@ChangeSciences 2016
The
Human Future
Of
M0ney
The future of money is probably
Bitcoin
Or maybe the future of money is
VR
flickr @sergesegal
The future of money is certainly
MOBILE payments
39% 22%
Federal Reserve, 2015
It’s not tied to a place or an object anymore
Money is MOBILE
Use mobile banking Use mobile payments
People use financial apps more frequently than others
Adobe, 2014
30%
USE of online banking is high
CONFIDENCE is low
Ernst & Young, 2014
EMOTIONS run high
Edelman, 2015
Trust is still low, while
Meaningful Brands, 2015
FINANCIAL SERVICES
are considered less meaningful by consumers
1
HEALTHCARE
3
FODD
7INTERNET
9ENERGY & UTILITES
12 FINANCIAL SERVICES
How can financial services have a REAL IMPACT ?
The future of money requires a
HUMAN touch
TRENDS toward a human future of
Money
Learn about our 2016 financial services research
The human future of money is extreme
SIMPLICITY 1
The more an experience gets out of the way, the more powerful its
IMPACT
Change Sciences, 2015 Change Sciences, 2015
People report feeling happier on financial sites and apps that are less cluttered
Change Sciences, 2015
People report feeling happier on financial sites and apps that make COMPLICATED UNCOMPLICATED
Change Sciences, 2015
LESS IS MORE when it comes to how we interact with our money online
flickr @materialboy
The financial sites and apps of the future will ANTICIPATE OUR NEEDS
And at the same time gives us space to REFLECT
The human future of money relies on
TRANSPARENCY 2
TRUTH is what we seek when it’s our money
Financial sites that provide clarity on rates & fees are in the top
Change Sciences, 2015
10%
34% Change Sciences, 2015
As much as we want truth in banking, we want banks to help us discover the truth about ourselves
The human future of money shows
CONSIDERATION 3 flickr @pagedooley
Our financial services apps have
DATA about all our transactions
Our financial apps may even
RECOGNIZE our faces or fingerprints
But we need to be appreciated as
REAL PEOPLE
tumblr @okekukaki
Change Sciences, 2015 Change Sciences, 2015
Personalization is a start, but what we really want is CONSIDERATION
The future of money will show and cultivate GRATITUDE
The human future of money feels like
COMMUNITY 4
flickr @pagedooley
We want real human
STORIES
more likely to return to a financial site with authentic human stories 12% Change Sciences, 2015
People report feeling happier on financial sites and apps that feel CONVERSATIONAL
Change Sciences, 2015
We still crave real human
CONNECTION
The human future of money is
GROWTH 5
We know this is growth when it comes to
OUR MONEY
We hope we can take
SHORTCUTS
We know there is more to
HAPPINESS
But we still need to
LEARN
People felt happiest when they were able to DISCOVER
Change Sciences, 2015
more likely to recommend when learning something new
Change Sciences, 2015
10%
People are happiest when they can see the connection between MONEY AND REAL LIFE
Change Sciences, 2015
Nudge us toward positive behaviors for
FINANCIAL HEALTH
WELlNESS
Change Sciences
Technology needs a new model
reveal
engage
reflect
evolve
The future of money is not all about
TECHNOLOGY
flickr @scoKks1
The
Future of
M0ney looks
HUMAN
Learn about our 2016 financial services research
reddit @moneyface
ease
simplicity
autonomy
control
trust
gra1tude
respect
transparency
authen1city engagement
discovery
mo1va1on
flow
a7achment
sustainability
growth
alignment
crea1vity
connec1on
Measuring the net positive effect to people’s lives
Change Sciences connects human well-being with technology
community
