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Improving financial inclusion through evidence-based behavioral product design

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Moka (formerly Mylo) is a leading Canadian fintech company with over 100M in assets under management and 400,000 users. They are tackling financial inclusion among younger populations in Canada. 

Typically, millennials are underserved by savings products: over half of them have less than $1000 in savings. This results in serious setbacks when it comes to concrete financial goals (such as home ownership) and unfortunately introduces unsustainable borrowing behaviors that only exacerbate the issue.

The Challenge

Moka approached TDL to help them better understand key user journeys—in particular, the decision moments that translate into key behaviors such as signing up for the app, linking it to a bank account, and sharing it with others.

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