Stephen WendelStephen is a behavioral scientist who studies financial behavior and how digital products can help individuals manage their money more effectively. He serves as Head of Behavioral Science at Morningstar, where he leads a team of behavioral scientistsand practitioners to conduct original research on saving and investment behavior. Dr. Wendel has authored two books on applied behavioral science, Designing for Behavior Change and Improving Employee Benefits, and founded the non-profit Action Design Network, educating the public on how to apply behavioral research to product development with monthly events in ten cities. Prior to joining Morningstar, he served as the Principal Scientist at HelloWallet, where he helped build an engaging product for users take control over their finances. The impetus for this book comes from the challenges he and the rest of the HelloWallet team faced along the way, as they learned to apply the behavioral literature to consumer products and consulted with companies similarly searching for effective ways to enable behavior change. Before HelloWallet, he co-founded two IT companies, and conducted research on the dynamics of political behavior. Read More Read Less