Apps That Nudge, Nag and Manipulate You Into Financial Health

By Ben Steverman - 2014-04-07T17:15:02Z

Photograph by Christine Balderas/Getty Images

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Payment Prompts

The water bill’s due, says the alert from the app Check. In fact, it was due three days ago and you ignored earlier alerts. But the app tried you again now because it could see that your paycheck just cleared. By analyzing the behavior of the 10 million users who aggregate credit card, bank, loans and other accounts with them, Check finds that, even if there's money in their accounts, “a lot of consumers choose to wait to pay the bill until they get paid,” vice president of marketing Daniel Kjellen said.

Related: The Booming Business in Behavioral Finance