Charlie is a free text-based penguin that worries about money so you don't have to. Money is boring but important - very few people actually like to manage their finances, but everyone wants to be good at it. Charlie helps with that - Charlie continuously monitors your transactions and alerts you only when there is something worth paying attention. Charlie is built on the idea that the best financial advice is not detailed and complicated, but simple and actionable.
Studies on the efficacy of
Automation,Smart Defaults,Reduce Friction or Barriers,Rules of Thumb
Johnson & Goldstein (2003),Benartzi & Thaler (2004),Mathias,Ghani (2016),Behavioral Insights Team (2012),Brown et al. (2013),Loewenstein et al (2013),Pichert & Katsikopoulos (2008),Madrian & Shea (2001),Goda (2010),Kalbekken (2011)