Sometimes spending is instinctive - we respond to certain cues by paying or buying certain products. The heatmap etc. are really good for identifying when this spending occurs, but could it be taken a step further? A feature could be introduced that actively slowed down the ability to make a transaction, so you’re forced to think about whether you really want to make it, and so can stop the automatic habit loop that is followed when you see certain triggers.
For example, if I always buy a coffee at 4pm, but I want to stop this habit, I could set it so that I have to perform a certain task to be able to access my money at that time. This could be before I can make the transaction I have to write 100 words about why I want to make it, or I have to tap or break down a virtual ‘wall’ locking out my money. It wouldn’t need to be arduous, but could provide a pause to consider if I actually want to do this spending. Physically taking cash out of wallet or typing in a PIN used to provide this, but I think it has been lost with contactless payments.