Why It Works: How a ‘moment of thought’ helps Monzo protect its customers
Richard ShottonLooking to protect your customers from themselves? All the warnings in the world won’t have the power of a simple undo button. Just ask Monzo.
Richard specialises in applying behavioural science to marketing. He has worked in marketing for 24 years and over that time, he has advised a wide variety of clients from AA to Zwift. He is the author of two books on applied behaviour change – The Choice Factory (2018) and The Illusion of Choice (2023). His next book, Hacking the Human Mind, was released in September 2025.
In 2018, he founded Astroten, an agency that applies behavioural science to solve marketing problems. In 2021, he was made an honorary fellow of the IPA and an associate of the Møller Institute, Churchill College, Cambridge University.
Looking to protect your customers from themselves? All the warnings in the world won’t have the power of a simple undo button. Just ask Monzo.
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Our behavioural science columnist Richard Shotton shares an extract from his and MichaelAaron Flicker’s new book, Hacking the Human Mind.
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