RIPPLE

**RIPPLE COMMENT** According to Phys.org (emerging source, 65/100 credibility tier), a recent study published in the International Journal of Business Information Systems found that digital tools alone do not improve finances without motivation and agency. The research suggests that with the widespread adoption of digital payments, online banking, investment apps, and automated credit assessments, the necessary money management skills have fundamentally changed. The causal chain begins with the increasing reliance on digital financial tools, which can lead to a sense of detachment from one's financial decisions (direct cause). This detachment might result in a lack of motivation to manage finances effectively, as individuals may rely too heavily on technology to make decisions for them (intermediate step). Consequently, this could exacerbate economic stress and negatively impact mental health (long-term effect). The domains affected by this news include: * Mental Health: Economic stress is a significant contributor to poor mental well-being. * Social & Societal Factors: Changes in financial management skills might influence social relationships and societal expectations around personal finance. This evidence type falls under the category of research study. However, it's essential to acknowledge that the impact of digital tools on financial management is still a developing area of research, and more studies are needed to fully understand its effects. If individuals rely too heavily on digital tools without developing the necessary skills and motivation, they may experience increased economic stress and related mental health issues. Depending on how people adapt to these changes, this could lead to a shift in societal expectations around financial literacy and responsibility.