[jenshoop]

This is super powerful, @magic_man, in terms of orienting the field around designing solutions that meet users where they are (vs. approaching design from a "remediation" vantage point). I previously worked for a non-profit working to build the financial capability of low-income youth here in America. We discovered that 85% of youth have mobile phones, though a much smaller percentage belong to families that are connected to the financial mainstream (many use fringe banking services). This was a critical insight for us; it led us to design a smartphone application that issued teens digital challenges designed to build financial health. Platform decision-making is paramount.