The great thing is the algorithm that assumes our behaviors (by tracking our spending habits, so we don´t have to do it ourselves) of not "wanting to think/worry", but the trigger to download and connect the app to our bank account could be explored :) I have an excel spreadsheet (old fashioned....) namely to know tax deductions (indirect way to save some money...). There is lots of research on how data can change our behaviors. For me was the simple payroll paper where it had the gross and net (and knowing how much I don´t even "see".. ) I hated that feeling on the end of the fiscal year and couldn’t deduct lot things, because didn´t ask for the invoices... Doing the automation of this kind of things would be great (or avoid the dally concern on those...).
Thanks André and Anne-Laure, great insight. Only a small fraction of money is "tangible" and somehow the Greek example shows that money is a mediate thing to get something else. People don´t need money as an end in itself and money is only good until people trust and accept it for payments.