Some emergent social trends stay niche (or subculture), but if stigmas drop for the trend, it could go viral

Crypto is one socio-finance topic that has changed how we talk and think about money

Debt is one of the hardest socio-finance topics to tap into, but Instagram hashtags are one...

Examples of companies doing this well:

Joy – app to rate transactions by how you feel

Credit Karma – making debt less scary and providing transparency so you can know how you stack up to others

Examples of not doing this well:

Budgeting and personal finance apps. They have...

Taking transaction to social (like Robinhood)

From social sites, like those which have developed wallets etc

From games, like Fortnite, which now has a token economy

From platforms, such as Reddit (think WallStreetBets), which see crazy behaviors that could become mainstream…or ...

Each new generation is sharing more

Financial crises are driving people to talk about the elephants in the room (debt etc.)

Hacker mindset is spilling over into finances; people want to beat the system

Interactions (emotional and cognitive things which occur between people) + transactions (the actual financial stuff going on). When these both work together, the results can be incredible. Examples:

Venmo, which combined chat with money transfer (and an emoji)

SoFi, does personal fina...