#830: Credeterent

Today’s invention is an attempt to help limit consumer spending on credit (sorry economists/bankers, but I still think that’s a bad thing).

People using their mobile phones as payment devices would, before clicking ‘buy,’ be shown a photograph on screen portraying the exact amount of money in their account before and after the transaction (in £5 notes and coins).

This would make the implication of their planned action transparent and perhaps delay it enough to allow for second thoughts.

The ‘after’ photograph of a purchase which involved becoming overdrawn might be the user’s photograph suitably reddened automatically to look embarrassed.

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