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People often get excited over their new fitness wearables (e.g., FitBit, Nike Fit, Garmin Vivo, etc.), but once the novelty wears off, they frequently lose interest (statistics indicate that about 42% of people quit using their devices within 6 months). New York Magazine* quotes an NPD research study as saying the current generation of fitness trackers doesn’t capitalize on what we know about success behavioral change: “Anticipated regret, an individual’s concern or anxiety over the reward he or she might not win, can have a significant effect on decision making,” The Bank on Your Health program addresses this gap. If users could set a long-term goal (e.g., vacation, new bike, fancy dinner) to save for, and contribute to the account that would fund that long-term goal only when their daily goals are met, they might be more consistent in their exercise habits.