It’s January, and people are thinking about their money habits again. Mary talks with Andy Bandyopadhyay, PhD, founder and CEO at Attune Insights, about why financial institutions ought to seize the moment and encourage consumers to make financial health appointments at their branches. They chat about how financial health isn’t a tool or a tab and why PFM rarely changes behavior.

Show notes:

• Attune Insights

Subscribe to the Money Isn’t Everything podcast here:

https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything

Chapters:
[00:00] Welcome to Money Isn’t Everything + Introducing Andy Bandyopadhyay
[01:05] New Year, New You: Why Financial Health Starts With Looking
[03:23] Financial Health Appointments & Using the Branch Differently
[05:32] How Credit Unions Can Pilot Financial Health Centers
[07:17] Why Personal Financial Management (PFM) Tools Failed
[10:57] Knowing vs Doing: Why Information Alone Doesn’t Change Behavior
[12:31] Access Barriers: When Financial Help Is Hard to Reach
[16:05] Measuring Outcomes, Not Just Engagement Metrics
[22:50] The Myth: Finance Employees Are “Fine” Financially
[31:49] The Future of Financial Health, Trust & AI

Send us a text

Slowing down payments could be a selling point. On the show, Mary talks with Erik Beguin, CEO of Austin Capital Bank, about why friction can be a feature, not a flaw. Plus, they unpack the rising wave of fraud, how security and convenience clash and why it’s time to measure success by protection, not just profits.

Show notes
- Austin Capital Bank

Subscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything

Chapters:
[00:00] Fraud Is Exploding
[02:10] Why Fraud Numbers Are All Underreported
[04:45] The Emotional Trap: Denial & Embarrassment
[07:20] Seniors and the Bitcoin ATM Scam Surge
[10:15] Why “Education” Isn’t Stopping Fraud
[14:00] Pig Butchering: The Scam You Don’t See Coming
[18:30] Why Victims Stay Silent
[22:40] How Fraudsters Stay Ahead of Banks
[26:50] What Consumers Actually Need to Stay Safe
[30:30] Erik Beguin’s Call to Action

Send us a text

Consumer Reports has a new playbook for fairness in digital finance and fintech app developers might want to take notes.

Mary sits down with Delicia Hand, senior director, digital marketplace at Consumer Reports, to talk about building apps that are transparent, inclusive and designed for real financial well-being.

Plus, they get into AI’s role in scams and why now is the moment for stronger consumer protections (not fewer).

Show notes
- Fairness by Design Playbook


Subscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything

Chapters:
[00:00] – Intro: What the Fairness & Design Playbook Is
[01:00] – Why Consumer Reports Built a Fintech Playbook
[03:00] – Filling the CFPB Gap in Consumer Protection
[06:00] – AI Scams and Voice Cloning Threats
[08:30] – Building with Consumers, Not for Them
[11:00] – How Financial Apps Can Be Designed Responsibly
[16:30] – What “Financial Well-Being” KPIs Should Look Like
[22:00] – Making Financial Health Part of Product Success
[26:30] – Designing for Inclusivity and Accessibility
[29:40] – Advice for Fintech Developers + What’s Next from CR

Send us a text