The principles of behavioral economics are the second “engine” of our financial products. Here you will find analysis on behavior, financial habits, user experience improvements, buying psychology, personal finance and much more.
We’re witnessing a transformation in the financial sector, marked by a shift in focus: from operational digitization to intelligent personalization. This new phase is known by some as “cognitive banking”. More than a trend, it represents a shift in how financial institutions interact with their customers.
According to Deloitte Insights’ Tech Trends 2025 report, AI is the common thread behind nearly all emerging trends. In the financial sector, this technology is becoming embedded in every banking process –especially those involving customer service and user clustering.
Why did I decide to write about a 2020 book? It turns out that Atomic Habits by James Clear, besides being an international bestseller, is also one of the readings we share in our small Coinscrap Finance club.
We bring you the second summary post from our interview with Natalia Jimenez! After discussing her beginnings, her focus on user experience, and the pursuit of banking with purpose, Lulo X’s CEO delves into the real needs of an underbanked population.
Leading the development of financial products has become a challenging task for banks and insurers. From my department, I witness daily how crucial it is to anticipate people’s needs and show them that someone is by their side, taking care of their finances.
The second part of our Meets has been truly revealing! Oriol Ros i Mas explains how diverse teams and technology are transforming the financial landscape in Latin America.
Thanks to transactional data analysis, the financial industry is transforming to offer better products and services. Nowadays, banks, neobanks, and Fintech face a complex, yet common challenge in any sector: adapt or die.
In this article, we will explore how these loyalty programs work, analyze success stories and discover the benefits for both consumers and banks and neobanks.
The model that is seeing the greatest adoption across all sectors is “members-only discounts” (75%). These are cashback programmes where immediate rewards are offered on every purchase.
Dare to immerse yourself in the retrospective of a year full of successes! We will recap the milestones achieved, the challenges overcome and the ambitious goals on the horizon. Throughout these months, we have grown in many ways, both in the number of team members and in the number of developments implemented. This is the chronicle of an exceptional year!
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