CRAFTED. Inspiring the Next Generation to Build Great Money Habits (Whatever Those Are) | Tim Hong (CPO of MoneyLion)
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Apr 24, 2025 
Tim Hong, Chief Product Officer at MoneyLion, discusses creating engaging money habits for today's youth. He emphasizes that the challenge isn't just overcoming bad habits but establishing good ones from scratch. Tim shares insights on using AI for personalized financial guidance and how many financial apps feel cumbersome. He explains the concept of 'self-driving money' and questions if users truly want to give up control. Tune in for an engaging conversation about making finance relatable and inspiring for a new generation.
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Short Attention Spans Matter
- Tim Hong shares how his startup measured attention spans and found ads need to hook viewers within 3-4 seconds.
- This insight shaped his approach to making fintech products quickly engaging and understandable.
Design For Quick Financial Engagement
- Fintech products must communicate complex financial concepts simply and quickly to reach a mass market.
- Most users access products casually, like on a bus, not for deep, time-consuming financial analysis.
Inspiration Over Net Worth Display
- MoneyLion avoids traditional net worth displays that demotivate users with low balances.
- Instead, they use inspiring content and a mix of financial products to help users build credit and wealth over time.