the human future of money

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  • @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

    Its 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

    https://www.changesciences.com/financial-services-experience-index-2016

  • 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 its 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

    https://www.changesciences.com/financial-services-experience-index-2016

  • 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 peoples lives

    Change Sciences connects human well-being with technology

    community

  • Lets create a human future for technology

    ChangeSciences.com

    https://www.changesciences.com/