I think the ease of checking my balance has made me more aware of how much money I actually have. And therefore more conscious of living within my means. I hated the over the top security of other bank apps and more or less relied on ATMs to be reminded of my balance. With the annoying available and actual balances that made my spending a bit of a mystery.
The payday notification sort of prompts me to stick a chunk of money into savings/pots as soon as I get paid, too.
I think Summary at the moment is pretty basic but I think even the basic estimate makes me frequently question if I will or won’t run out of money. Enough to often think about how I’m spending my money.
The budgeting features are also pretty simple right now and I don’t really use them because I’m not really sure how I should be using them and if they’ll even be helpful. I often ignored the warnings.
I’m pretty excited for these things to get smarter and more developed though.