I know it might be to ask from a bank but since this is the bank of the free why not give my idea.

I have been diagnosed with ADHD while an adult. It’s so much harder for people with ADD and ADHD to manage their finances. Actual studies have been made and because of the impulsivity you might spend a lot or not saving because you spend all your salary paycheck in a few days.

Study: https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0176933

My idea is the following:

• Notifications when you’re spending habits are going to result in low balance (already possible with the A.I. that bunq uses to predict your future balance. (For me the calculation is way off because of the different spending habits I have every month. (Example a lot of purchases for the same merchant, a lot of money spent in other categories except subscriptions or personal care)
• Motivation to save by being able to lock saving goals without the option to opt out easily (Like what Monzo does with Pots)
• Allow the option to deactivate your cards from being able to make gambling transactions (Helpful for people with gambling addiction, to prevent fraud since a lot of money laundering schemes take place through online casinos, protect people impulsive gambling)
• Allow to limit spending in specific merchants.

I think those things along with the already pre-existing tools that bunq provides will be crucial to help people with ADHD and/or people with bad financial habits.