Projects to do

Banking chatbots often frustrate customers by going in circles when the problem is urgent, such as a blocked card.

Students with no earnings or history are invisible to lenders, so their first loan or card is hard to get.

Pay-later offers make spending painless in the moment, and students often stack several small dues without noticing.

Young customers can choose between app-only banking and a full-service bank, but the trade-offs are rarely set out honestly.

Customers trust a payments app with their money long before they can check how well it protects them.

A lender that charges too little loses money on bad loans, and one that charges too much loses good customers.

Payment fraud keeps changing shape, and warnings usually reach people only after the damage is done.

When branches shrink, small-town customers lose access unless another way to serve them is carefully planned.

Harsh reminders push struggling borrowers to hide, while soft ones get ignored, so lenders need a better tone and timing.

Payments businesses run on trust, and one unnoticed risk in fraud, outage or compliance can end the company.

Small shops would save on power with solar, but the upfront cost and the paperwork put lenders and owners off.

Gig workers earn unevenly, so a slow week can mean borrowing at high cost to cover rent and food.

Students use banks daily but cannot say how a bank earns money or what its main risks are.

Street vendors face daily risks such as weather and illness but find standard insurance too costly or too complicated.

A bank that designs for an average customer ends up serving nobody well, because real customers differ in age, income and comfort with phones.

Money awareness sessions often get polite applause but change nothing about what students actually do.