CHRIS ZADEH is the founder of Ohpen. Inspired to disrupt the way banks work Chris pulled a team of underdogs together to do what others thought was impossible—create the first cloud-based core banking company in the world. After leading the company as CEO for ten years, Chris now lives in Ibiza with his wife, their three cats, and two dogs, Myza and Yucca. When Chris isn’t sharkdiving, he is practicing yoga and martial arts. He has been featured in Forbes, TechCrunch, and Wired, which named Ohpen “Europe’s Hottest FinTech.” He is also the author of the #1 Amazon bestseller Monkey Money Mind: How to Stop Monkeying Around with Your Money. ANGELIQUE SCHOUTEN has over a decade of experience in retail banking, insurance, asset management, and FinTech. She was responsible for running the first robo-investor in the Netherlands, and is the cofounder of two start-ups, Cloudtract and Sportz Guru. Angelique currently serves on the global board of Ohpen as chief commercial officer, and previously worked as the CEO of Ohpen UK.

"Love should never be an excuse to break the bank." —Pat Williams, NBA's Orlando Magic founder

• ACKNOWLEDGMENTS ABOUT THE AUTHORS MAKING SENSE OF HOW WE USE OUR CENTS MEET YOUR MENTAL ACCOUNTANT IT SHOULD HURT TO PAY: WHY EASY PAYMENTS LEAD TO EASY LOSS GETTING OVER THE IRRATIONAL (AND EXPENSIVE) FEAR OF LOSS THE CHOICE IS YOURS ... SO MAKE IT EMBRACE THE CYNICS THE MONEY OUR MONKEY MIND IS MISSING EXPERT ADDICTION EXPERTS GIVE ADVICE, NOT DIRECTIVES (MAKE YOUR OWN DECISIONS) BE CERTAIN ABOUT UNCERTAINTY THE SILVERBACK ENDNOTES BIBLIOGRAPHY