What is a good money habit in 2025? And how do you actually help someone build one—without boring them, shaming them, or losing them in the first five seconds? Chief Product Officer Tim Hong shares how MoneyLion designs for emotion and creates content and products that inspire people to take action.  MoneyLion is a personal finance platform used by millions of mostly younger Americans who are just getting started with their money, so, as Tim says: “It's actually less about bad habits that we fight. It's about having no habits.” Tim also shares how AI could create a truly personalized (1 of 1) financial advisor, why most financial apps are “like going to the DMV”, and how things like open banking and embedded finance can change that… —Chapters: (01:30) - Tim has literally measured how short our attentions spans are at a brainwave startup (03:49) - What MoneyLion does and why content and storytelling are so important (08:30) - What even are good money habits today? (12:00) - How MoneyLion uses AI to create personalized content (13:40) - "Talking to your money" with AI (16:30) - How building with GenAI is different (20:30) - Building with non-deterministic systems (24:30) - "Self-driving money": Tim's not so sure people want to fully give up control (29:30) - Why so many financial apps feel like "going to the DMV" — and how that's changing with open banking and embedded finance —Looking for your next episode? Here’s another fintech one you might enjoy: “You Have to Invest Into Change.” Startup Lessons from Fintech OG and VC Daniel Kimerling, Founder of Deciens Capital and Standard Treasury  —For all CRAFTED. episodes and to subscribe to the CRAFTED. newsletter 👉crafted.fm —Oh, and see how Dan and Modern Product Minds can help you build better products. 

Fun news! The Webby Awards have honored CRAFTED. for the third year in a row as a top tech podcast. Thank you — yes, you! — for listening! This episode features the highlight reel we gave the Webbys. It features great moments from 2024 episodes, including (listed in the order mentioned):  Powering the World’s Hackathons | Brandon Kessler (Founder & CEO, DevPost)Asana’s Head of AI on the Profound Ways Work Is Changing | Paige Costello (Head of AI & Co-Head of Product Management at Asana)AI, Creativity, and Soul: How Hilary Mason Chooses Her Own Adventure (Co-Founder & CEO of Hidden Door)“You Have to Invest Into Change.” Startup Lessons from Fintech OG and VC Daniel Kimerling, Founder of Deciens Capital and Standard TreasuryOpen Source Must Evolve for AI and the Next Generation | Nithya Ruff (Head of AWS Open Source Program Office and Chair of the Linux Foundation)Great Software & Storytelling Is Emotional | Kelsey Hightower (Legendary Developer, Kubernetes Pioneer, Former Distinguished Engineer at Google)One Billion Developers! GitHub’s Head of Product Says AI Democratizes How We Build the Future | Mario Rodriguez (CPO, Github)Design for Emotion. Leverage AI. Be Curious. | Design Better’s Co-founders on Building Great ProductsUsing AI to Launch Thousands of Startups a Year | Henrik Werdelin (Founder of BARK, prehype, Audos)AI and the Future of Medicine | Kira Radinsky (CEO of Diagnostic Robotics and Co-founder of Mana.bio)New Frontiers of Health: AI, Psychedelics, the Gut-Brain Axis, and More! | Live from SXSWMy AI Teacher: Khan Academy and the Future of Education | Dr. Kristen Dicerbo (Chief Learning Officer)Making Music With AI – And Doing So Ethically | Diaa El All, Founder & CEO of SoundfulThe full show archive is at crafted.fm, where I hope you'll also subscribe to the CRAFTED. newsletter.  And please share CRAFTED. with a friend. Just one. Text them right now! Thanks... and onward!

On a rooftop at SXSW, fellow startup advisor and podcaster Rob Kenedi joins me as we discuss why:  AI models are becoming commodities…AI companies need to differentiate at the application layer, with brand, and by earning trust…B2B creators are all the ragePodcasts are so intimate and how video changes thingsWe’re in the “fart app” era of AI…Enjoy this uncrafted CRAFTED.! And if you enjoy this more casual format, please share your feedback. DM me on LinkedIn or email me: dan@modernproductminds.com Where to find Rob: LinkedIn: https://www.linkedin.com/in/rkenedi/Decelerator podcast: https://decelerator.media/More CRAFTED.: Subscribe to the CRAFTED. newsletter: https://www.crafted.fmLearn how Dan and Modern Product Minds can help you discover, build, and test new products: https://www.modernproductminds.com