#Digitalbanking

A growing body of behavioral economics suggests a 30-second daily habit—checking your bank balance each morning—could reshape how people relate to money. This quick routine may boost awareness, strengthen fraud protection, reduce stress, and boost savings. Experts say it’s not just about vigilance; it’s about creating a reliable feedback loop in a digital banking era.

As smartphone use and digital banking spread across Thailand, the idea of a monthly financial review feels outdated. The concept, often called “financial mindfulness,” draws on psychology to help people make smarter money decisions through rapid feedback. A recent study from the United States indicates that about 45% of Americans check their balances at least weekly, especially younger consumers. When applied daily, this habit can reframe personal finance for the long term.

A new trend supported by the latest research in behavioral economics suggests that a simple 30-second daily routine—checking one’s bank balance each morning—could dramatically transform the way people relate to money. Experts argue this micro-habit does more than just foster awareness; it could serve as an essential tool for fraud protection, reducing stress, and turbocharging savings, marking a significant shift in personal finance driven by digital banking innovation (Journee Mondiale).