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What is a good money habit in 2025? And how do you actually help someone build one—without boring them, shaming them, or losing them in the first five seconds?
Chief Product Officer Tim Hong shares how MoneyLion designs for emotion and creates content and products that inspire people to take action.
MoneyLion is a personal finance platform used by millions of mostly younger Americans who are just getting started with their money, so, as Tim says: “It's actually less about bad habits that we fight. It's about having no habits.”
Tim also shares how AI could create a truly personalized (1 of 1) financial advisor, why most financial apps are “like going to the DMV”, and how things like open banking and embedded finance can change that…Share
Chapters:
01:30 Tim has literally measured how short our attentions spans are at a brainwave startup
03:49 What MoneyLion does and why content and storytelling are so important
08:30 What even are good money habits today?
12:00 How MoneyLion uses AI to create personalized content
13:40 "Talking to your money" with AI
16:30 How building with GenAI is different
20:30 Building with non-deterministic systems
24:30 "Self-driving money": Tim's not so sure people want to fully give up control
29:30 Why so many financial apps feel like "going to the DMV" — and how that's changing with open banking and embedded finance