Financial education: the future involves practical and personalized tools
According to the study Acrobacia Financeira, by Inter in partnership with Consumoteca, technological tools are effective for financial education when they are present in routine, understand the context of money and present practical solutions in an intuitive way.
The survey also shows that 6 in 10 Brazilians believe that their current problems could be solved with financial education.
Brazilians already use technology for their personal finances
The Acrobacia Financeira survey showed that technology is already present in the financial lives of Brazilians. Of those interviewed, 74% trust banking applications to manage their finances, and 60% trust artificial intelligence.
They also believe that applications help to some extent with financial education and use the platforms to compare rates and support decision-making about their money.
In addition to saving, control over expenses and monthly budget, creating an emergency fund, understanding how to invest and reducing stress due to debts and unforeseen events are among the objectives of learning about personal finances.
There are applications that concentrate different functionalities
There are several free applications that not only offer a way for you to gather all your information in one place, but also personalized assessments on how to organize your financial life.
Inter's Super App, Mobills, Organizze and Meu Acerto are some of the options available on the market. With them, you can:
- Concentrate spending in one place: making all purchases at your bank or main financial institution, whether on a credit card or not, makes it easier to create a consolidated statement, without the money "disappearing";
- Use automatic categorization: there are apps that group your expenses into categories such as food, transport and leisure;
- Create "piggy banks" or reserves: many financial applications have features associated with objectives and goals to automatically separate your money every month;
- Use automatic debit: fixed bills, such as energy, electricity and internet, can be placed on automatic debit to avoid fines for forgetting;
- Activate financial managers: there are applications that have financial education tools already integrated;
- Enable limit alerts: you can configure notifications to notify you when you reach a certain amount of spending in the month;
- Monitor reports: a few minutes a week to analyze the reports and analyzes made available by the application help you identify the origin of your expenses and the flow of money over time.
Platforms use AI assistants for financial solutions
AI assistants are like "agents" that connect to your two bank accounts and help you with financial planning, analysis and automation.
Seven, Inter's launch, is one of the options available on the market. It allows you to perform different tasks, including purchasing gift cards, transfers via Pix, analyzing statements and invoices, and paying in installments for purchases using the financial institution's global credit card.
Organization to pay off debts and have full control of your budget are also important for your financial health.
Source: CNN