Hi Shane, Thank you for your input. We are presently working on data gathered from financial institutions. We do have experts with whom we will be conversing further on this, but we decided to first refine our prototype before approaching them.
We have built personas to better reflect how we will incorporate this idea in to the real world. We will be providing an update to this idea - with a user persona and an experience journey - by next week and we hope it will be a lot clearer then.
Again, thank you for the input and the linked article, both were immense help in furthering our ideas. Looking forward to your input on our idea once it is updated and refined.