Download the NEW Change App!

Download the NEW Change App!

After months of hard work and secrecy, we’re excited to finally reveal what we’ve been working on. We’re putting everything you love about Change right at your fingertips, literally.

Download the new Change app to your iPhone or Android smartphone, and access your Auto-Saving, Predictive Overdraft Protection and Stay on Track dashboards right from your home screen.

The new app offers the same Change experience you already enjoy through our web app, with easier access than ever.

As always, we kept nearly everything about Change customizable, so determine the settings that are right for you through your account tab.

Downloaded the app yet? Let […]

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While we’re young! Crucial retirement advice for millennials

While we’re young! Crucial retirement advice for millennials

Millennials get a bad rep for being – how shall we put this – somewhat blasé about financial planning.

Sure, some might say millennials have all the reasons in the world to temporarily neglect their finances, not the least of which how young they are. When you’re under 35, which millennials are, saving for retirement or even nearer goals (such as buying a home) can rank pretty low on the priorities next to paying off student debt, affording rent and indulging in avocado toast.

While retirement may not be around the corner for millennials, it should still be on their mind at […]

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It’s worse than you think: The alarming state of Americans’ retirement savings

It’s worse than you think: The alarming state of Americans’ retirement savings

If you’ve been sitting on the fence when it comes to saving for retirement, it’s time to wake up. And no, it doesn’t matter if you’re not yet in your forties, thirties, or even 25. You need to be putting money aside for your golden years, and probably more than you thought you did.

How much does it actually cost to retire?

Life expectancy nowadays dictates that most Americans should plan for at least 20 years of retirement. It may actually be even longer: One in four seniors today will live past the age of 90, and one in 10 will live […]

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Diagnose your way to positive Cash Flow

Diagnose your way to positive Cash Flow

‘Cash flow’ is such a business term. You hear about businesses going under because of ‘a cash flow problem’, but you don’t really think about your friends or family struggling with it. And why not? Cash flow is just a catchy name for the balance between incomes and expenses that make up one’s finances. For businesses and individuals, this all happens in a bank account.

The equation is intuitive, really: Spend more than you earn, and you’ll have a negative cash flow. Conversely, earn more than you spend, and enjoy a positive cash flow. The latter is where you want to […]

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The science behind savings: How savings impact health, mood & success

The science behind savings: How savings impact health, mood & success

Some things feel good, but aren’t good for us. Eating dessert, browsing memes, and incessant online shopping are all great examples. Other things are actually good for us, but don’t always feel good. Exercising, cleaning and earning an academic degree, all come to mind. Few activities fall right in the middle of that elusive feel good/good for us spectrum.

Saving money is one such unicorn. Just in case that the whole concept of having financial security doesn’t resonate enough with you to make you want to save, there are actually numerous other great reasons. Solid scientific evidence points to the finding […]

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Financial stress: First world problem or workforce plague?

Financial stress: First world problem or workforce plague?

What could people living in the richest country in history during the least threatening time known to man, possibly have to complain about? Plenty, it turns out. More and more working Americans report experiencing difficulties making ends meet: Paying their rent or mortgage, repaying student loans, and going about their daily lives.

Though commonly dismissed as ‘first world problems’, there is merit to the claims. Sure, modern day Americans aren’t dealing with tribal wars, extreme poverty and malaria, but the strain to stay the course financially is very real. We breakdown just how widespread financial stress is in the 21st century […]

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7 ways to stop living paycheck to paycheck by Xmas 2018

7 ways to stop living paycheck to paycheck by Xmas 2018

Here’s a terrifying statistic: In a survey commissioned by Financial Fitness Group in 2014, over 48% of respondents reported ‘just getting by financially’ and ‘living paycheck to paycheck’ all the time. Not just during the holiday season, not some of the time, not even most of the time. All the time.

Varying circumstances can make it seem like living paycheck to paycheck is unavoidable. Student loans, low pay and limited family support means that the burden rests squarely on your shoulders. Moreover, some of us face even greater challenges, such as dealing with physical limitations and disease, or being responsible for […]

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Incremental economics: 10 small changes that make a big difference

Incremental economics: 10 small changes that make a big difference

Big changes aren’t always noticeable. Often, they’re more gradual; the sum of numerous little changes that amount to sweeping, earth-shattering shifts. Take any civic battle, for instance: Though to some it may seem like gay marriage, desegregation and women’s suffrage were sudden acts, they were actually achievements at the heels of prolonged campaigns that knew just as many downfalls as wins. In the end, however, only the outcome mattered.

The same principle applies to economics, both on the macro and on the micro level. While universal health care seems like a non-possibility in today’s climate, things can change with enough chipping […]

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How to keep your job in the age of AI

How to keep your job in the age of AI

Artificial Intelligence is a wonderful thing: It saves us time when booking flights, helps streamline customer service and it’s set to revolutionize the future of driving. Heck, it’s what put us here in the first place – and we’re pretty great. Whether or not you’ve already embraced AI, it’s safe to say it’s going to be around for a while.

Like any disruptive technology that came before it, AI’s promise to solving a variety of problems is inseparable from the fact it’s bound to create new ones. Even just looking at the examples above of industries where robots have already penetrated, […]

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It’s official: Change wins the world’s largest FinTech competition

It’s official: Change wins the world’s largest FinTech competition

From left: BBVA Chairman Francisco Gonzalez, Change CEO Yaniv Levi, Change CPO Assaf Priel and BBVA Head of Customer Solutions Derek White.

Change won the 2017 BBVA Open Talent Competition! Oh, you know, only the most important and prestigious financial start-up competition in the world.

After months of anticipation, preparation, sleepless nights and milestone wins, Change edged out strong competitors developing the most sophisticated FinTech solutions of the future, for the coveted top spot. As you may recall, the first step in our journey to the top was winning the AI Category of the BBVA competition in May, which took […]

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