Articles about personal finance management, Open Banking, AI and tips to get the most out of AtivaMoney.
Paying by phone doesn't hurt — and that's the problem. The science of the "pain of paying", ECB and MB WAY data, and how to spend with your eyes open again.
Four purchases are enough to reidentify 90% of people. What your transaction data reveals, who buys it — and how to choose apps that don't sell it.
Joint or separate accounts for couples in Portugal? Two studies link joint accounts to fewer money conflicts — and show when keeping them separate makes sense.
PSD2 opened up your bank data. Now come PSD3, the PSR and FIDA: less fraud, more control, and open finance for Portugal. What changes, when — sourced.
Does an AI that knows you have to watch you? Models that memorise data versus models that learn only from you, and what that means for your finances.
Scarcity consumes attention: science measures drops equivalent to 13 IQ points when money gets tight. Why we decide worse at month-end in Portugal.
Only 33% of adults worldwide and 26% in Portugal grasp basic financial concepts. The picture drawn by surveys from Banco de Portugal and the OECD.
We spend around 2.5x more on subscriptions than we think, and 42% pay for services they no longer use. Why — and how to regain control of your finances.
Schrems II, €7.1 billion in GDPR fines and the rise of the sovereign cloud: why the jurisdiction your data lives under matters as much as the law itself.
Most budgets fail by the second week — and it isn't a lack of discipline. What behavioural economics says, and how to build yours in 3 minutes.
Open Banking handed you back control of your bank data. The story of PSD2 in Europe and Portugal, adoption, trust, and what changes with PSD3.
Your brain already sorts money into mental drawers. Five practical ways to use tags to see the context categories can't show — with OECD data.
The best blog post is direct experience. Create your Free account in less than 3 minutes.