In this episode of HR Tech Trailblazers, Mark Brehaut, Head of Design at Clair, sits down with Vivien Caetano, Associate Managing Director at ideas42, to explore how behavioral science can reshape financial health. They discuss why traditional approaches to financial literacy often fall short — and how designing better financial products can remove the barriers people face when managing money. In this conversation, they cover:

• Why people often choose speed and certainty over lower-cost financial options

• The role of behavioral design in improving financial products

• Why financial emergencies often begin months before payday loans appear

• The concept of context over intentions in behavioral science

• How fintech companies can design products that support financial stability and resilience