Every nudge has an economic consequence. Credit limits, savings defaults, repayment reminders, rewards, streaks and AI prompts are no longer just UX features — they influence conversion, retention, borrowing, savings behaviour and credit performance.
As fintechs race to make money more personalised and frictionless, the same mechanics that improve engagement can also encourage overspending, dependency and debt.
This panel asks what financial products should optimise for when engagement and customer outcomes start to diverge, where behavioural design becomes manipulation, and who is accountable when a product is deliberately built to change how people use money.
