Nick Schwanz, Head of Experience at Qapital, discusses the behavioral economics behind the app and the new "Qapital Spending" checking account and debit card. The new feature takes the company's foundational idea of "saving while spending" and applies it to banking by making customers aware of the spending habits that might keep them from taking that vacation they want. Qapital gives "little nudges" to prompt you to save money for your financial goals.