Finance, Money, & Crypto

Brand Dummy helps financial clients understand the psychology behind how people spend, save, invest, borrow, and engage with emerging financial technologies. We uncover the cognitive biases, emotional triggers, identity dynamics, and risk perceptions that shape financial choices — from traditional banking to cryptocurrency — and translate these insights into strategies that build trust, reduce friction, and improve decision outcomes.

  • Consumer Finance & Everyday Money Choices

    Consumer Finance & Everyday Money Choices

    We analyze the behavioural drivers behind budgeting, saving, credit use, and financial avoidance. We help design products and communications that reduce friction, increase confidence, and support healthier financial decisions.

  • Investing, Risk Perception & WealthTech Behaviour

    Investing, Risk Perception & WealthTech Behaviour

    We uncover how people interpret risk, uncertainty, and long‑term value — and why their actions often diverge from rational models. We help WealthTech and investment platforms improve trust, clarity, and user engagement through behavioural design.

  • Cryptocurrency Adoption & Emerging Financial Behaviour

    Cryptocurrency Adoption & Emerging Financial Behaviour

    Drawing on published academic research, we decode the psychological forces behind crypto use, community identity, volatility tolerance, and narrative‑driven valuation. We help clients understand and design for the unique behavioural patterns shaping the future of digital finance.

Financial behaviour for the modern economy

Financial decisions are rarely driven by pure logic — they’re shaped by emotion, identity, risk perception, habits, and the stories people tell themselves about money. Traditional analytics can reveal what customers do, but not why they hesitate, avoid, overspend, under‑save, or trust one product over another. Brand Dummy helps financial organizations uncover the psychological mechanisms behind these choices and translate them into strategies that build trust, reduce friction, and improve financial outcomes across banking, investing, WealthTech, and cryptocurrency.

  • Behavioural Pattern Analysis

    We identify the cognitive biases, emotional triggers, and decision shortcuts that shape how customers spend, save, invest, and evaluate risk — revealing the mechanisms behind your data.

  • Friction & Drop‑Off Diagnostics

    We map the behavioural barriers that cause hesitation, avoidance, or abandonment across financial journeys and design targeted interventions to increase completion and confidence.

  • Trust, Transparency & Risk Perception Design

    We help financial products communicate risk, uncertainty, and value in ways that align with how people naturally interpret information, improving clarity and long‑term engagement.

  • Crypto‑Specific Behavioural Insight

    Drawing on academic research, we decode the identity, community, and narrative‑driven forces behind cryptocurrency adoption and design strategies that reflect this unique behavioural ecosystem.

  • Behaviourally-Informed Product & Communication Strategy

    We translate behavioural insights into practical design, messaging, and experience recommendations that support better decisions and stronger customer relationships.

How can we help?

  • Financial decisions often trigger anxiety, loss aversion, or fear of making a mistake. Brand Dummy identifies the behavioural barriers causing hesitation and designs interventions that reduce friction, increase confidence, and improve completion rates.

  • People interpret financial information through emotion, mental shortcuts, and personal narratives — not technical accuracy. Brand Dummy helps organizations communicate risk and value in ways that align with how people naturally process uncertainty, improving clarity and trust.

  • Even well‑designed products fail when they conflict with existing habits or perceived effort. Brand Dummy uncovers the psychological drivers behind resistance and develops behaviourally-informed strategies that increase adoption and sustained engagement.

  • Investing behaviour is shaped by identity, fear, social influence, and misperceived volatility. Brand Dummy analyzes these behavioural patterns and helps WealthTech and investment platforms design experiences that support more stable, long‑term decision‑making.

  • People are cautious about automation when money is involved, especially if transparency feels low. Brand Dummy examines how users evaluate algorithmic decisions and designs communication and UX strategies that strengthen perceived safety, fairness, and control.

  • Financial avoidance is common when tasks feel overwhelming or emotionally charged. Brand Dummy identifies the emotional and cognitive triggers behind avoidance and creates behavioural nudges that encourage healthier, more consistent financial habits.

  • Crypto decisions are driven by community identity, narrative, perceived autonomy, and tolerance for volatility — not traditional financial logic. Drawing on published academic research, Brand Dummy helps organizations understand these unique behavioural patterns and design strategies tailored to the crypto ecosystem.

  • Analytics can show what customers do but rarely explain why they do it. Brand Dummy interprets behavioural signals within your data, revealing the psychological mechanisms behind patterns and turning raw numbers into actionable insight.