Accenture and Fjord conducted research into changing consumer attitudes and behaviors by asking three simple questions: 1) When do you think about money? 2) Where do you think about money? 3) How hard do you think about money? Responses revealed four basic Money Mindsets: • Achievers – defining success by budgeting for clear, tangible goals • Balancers – defining success by getting the best deal in each transaction • Experiencers – spending and enjoying the present • Explorers – saving money and making trade offs An understanding of how these different personality types think about their finances can help banks develop services and products that become invaluable features of daily life.