Reading the article, all I could think was "sounds like a problem with getting users to form new habits." Those categories they listed are apps you'd use on a

Reading the article, all I could think was "sounds like a problem with getting users to form new habits." Those categories they listed are apps you'd use on a daily basis, or that have some kind of notifications (read: dopamine hits) built in. They build up a habit loop by making the app fun to use, and emitting notifications to keep the users coming back during that formative early usage period. Monthly expense reporting (or monthly anything, really) seems like a rough road for building habits.