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חִינָּםאֵיןכָּסֶף

by 

Nastya Golubotsky

Digital Tools for a Financial Future

The project studied financial behavior in terms of savings and long-term investments among Israeli young adults aged 20-30. The study was based on a review of the literature on financial literacy, learning methods and behavioral economics; a survey (N=102) on financial literacy, structured interviews, participation in expert lectures and ideation workshops. The findings point to significant gaps in understanding basic financial concepts such as management fees, investment track, and interest, as well as lack of awareness of managing products such as pension and education funds. Through design thinking, we developed solutions that combine microlearning – a learning method based on brief and frequent content units – with platforms such as Instagram and WhatsApp. 

Money4Free is a brand that incorporates a set of tools that encourage the user to undergo a three-stage process: 

  1. Understanding the benefits of saving
  2. Acquaintance with financial products already used by the user
  3. Improving them or adding new ones

The objective is to bridge knowledge gaps, promote a healthy discourse on money, enhance a sense of self-efficacy regarding financial management, and promote long-term economic welfare using simple digital tools familiar to young adults.

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Nastya Golubotsky

Nastya is a creative and analytical product designer with over 5 years of experience. She has an M.Des in industrial design from Bezalel. She has worked at Harel Insurance and Finance and the TASC consulting firm. Currently, she specializes in designing and defining financial products at an innovative startup. She implements design thinking methodologies, enhancing workflows and service processes. Nastya integrates her skills into social projects and community volunteering, bridging the gap between the world of design and social impact.

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