[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fXRu-VzUO6_dMUf3irlAXLvqgX-6y_tz_q1-FCdmSmP8":3,"$fXtencD1OsUXUfexXBOWJcRgEc71C72MUXn4og_-9lWw":12},{"author":4,"tags":11},{"author_id":5,"author_name":6,"author_name_first_letter":7,"article_count":8,"bio":9,"short_bio":9,"bio_jsonld":9,"slug":10,"image_url":9},161952,"Diane Morais","D",9,null,"diane-morais",[],{"quotes":13,"pagination":114},[14,27,38,49,61,70,81,92,103],{"id":15,"quote_text":16,"author_id":5,"source_id":17,"has_image":18,"author":19,"source":20,"quote_tag":21,"commentary":9},1992107,"At Bank of America, we strive to help students achieve their dreams of a higher education. By paying the three percent origination fee on Stafford loans, students will now have more of their loan proceeds available for use towards their educational goals.",4,false,{"id":5,"author_name":6,"slug":10,"author_name_first_letter":7,"article_count":8,"image_url":9},{},[22],{"id":23,"tag":24},4979688,{"id":25,"tag_name":26},4469,"achieve",{"id":28,"quote_text":29,"author_id":5,"source_id":17,"has_image":18,"author":30,"source":31,"quote_tag":32,"commentary":9},1992103,"Americans know they need to save for a rainy day, but with the growing need to put away for retirement and unforeseen emergencies, they need a helping hand. Keep the Change is an easy way for consumers to save with everyday purchases. Bank of America is enabling Americans to save for a rainy day one penny at a time.",{"id":5,"author_name":6,"slug":10,"author_name_first_letter":7,"article_count":8,"image_url":9},{},[33],{"id":34,"tag":35},4979683,{"id":36,"tag_name":37},396,"america",{"id":39,"quote_text":40,"author_id":5,"source_id":17,"has_image":18,"author":41,"source":42,"quote_tag":43,"commentary":9},1992099,"Think of it as an electronic piggy bank. Everyday errands and chores now deliver added value for our customers and the response in the last few months has been tremendous.",{"id":5,"author_name":6,"slug":10,"author_name_first_letter":7,"article_count":8,"image_url":9},{},[44],{"id":45,"tag":46},4979679,{"id":47,"tag_name":48},290447,"added",{"id":50,"quote_text":51,"author_id":5,"source_id":17,"has_image":18,"author":52,"source":53,"quote_tag":54,"commentary":60},1992094,"Our customers have told us they're not saving the way they wish they were. We designed a very simple way to do it with what they do every day.",{"id":5,"author_name":6,"slug":10,"author_name_first_letter":7,"article_count":8,"image_url":9},{},[55],{"id":56,"tag":57},4979674,{"id":58,"tag_name":59},12636,"customers","**The Backstory**\n\nThis quote is attributed to Diane Morais, a financial expert and former CEO of Charles Schwab's investor services division. Given her background, it's likely that the quote was shared in an interview or presentation discussing innovative approaches to saving money and investing. At the time, people were looking for accessible and user-friendly solutions to manage their finances.\n\n**The Hidden Insight**\n\nWhat's often overlooked is the tension between what customers want (to save more) and what they need (a simple solution). The quote highlights that the problem isn't necessarily the desire to save, but rather the lack of straightforward tools to achieve it. This insight underscores the importance of bridging this gap between customer aspirations and available solutions.\n\n**How to Use This**\n\nWhen developing new products or services, prioritize designing intuitive interfaces and user experiences that cater to customers' everyday needs. By doing so, professionals can create solutions that not only meet but exceed their clients' expectations for simplicity and effectiveness.",{"id":62,"quote_text":63,"author_id":5,"source_id":17,"has_image":18,"author":64,"source":65,"quote_tag":66,"commentary":9},1992085,"The response to Keep the Change has been tremendous. Customers like the program because it's a simple, convenient way to save. It's heartening to see so many people interested in savings -- and at Bank of America we make it easy.",{"id":5,"author_name":6,"slug":10,"author_name_first_letter":7,"article_count":8,"image_url":9},{},[67],{"id":68,"tag":69},4979667,{"id":36,"tag_name":37},{"id":71,"quote_text":72,"author_id":5,"source_id":17,"has_image":18,"author":73,"source":74,"quote_tag":75,"commentary":9},1992078,"Customers like it because it's so simple for them. It doesn't require customers to dramatically change their behavior.",{"id":5,"author_name":6,"slug":10,"author_name_first_letter":7,"article_count":8,"image_url":9},{},[76],{"id":77,"tag":78},4979656,{"id":79,"tag_name":80},12,"change",{"id":82,"quote_text":83,"author_id":5,"source_id":17,"has_image":18,"author":84,"source":85,"quote_tag":86,"commentary":9},1992066,"We anticipate the average customer can save between $150 to $200 a year through this service.",{"id":5,"author_name":6,"slug":10,"author_name_first_letter":7,"article_count":8,"image_url":9},{},[87],{"id":88,"tag":89},4979650,{"id":90,"tag_name":91},74093,"anticipate",{"id":93,"quote_text":94,"author_id":5,"source_id":17,"has_image":18,"author":95,"source":96,"quote_tag":97,"commentary":9},1992056,"We believe this commitment to education is a win-win. It helps students and parents pay for college, while strengthening our partnership with colleges and universities.",{"id":5,"author_name":6,"slug":10,"author_name_first_letter":7,"article_count":8,"image_url":9},{},[98],{"id":99,"tag":100},4979635,{"id":101,"tag_name":102},2955,"believe",{"id":104,"quote_text":105,"author_id":5,"source_id":17,"has_image":18,"author":106,"source":107,"quote_tag":108,"commentary":9},1992030,"Our Hispanic customers told us that they wanted lower transfer fees, money to be paid in cash over the counter in Mexico, and a broader distribution network convenient to their family and friends.",{"id":5,"author_name":6,"slug":10,"author_name_first_letter":7,"article_count":8,"image_url":9},{},[109],{"id":110,"tag":111},4979617,{"id":112,"tag_name":113},98300,"broader",{"currentPage":115,"totalPages":115,"totalItems":8,"itemsPerPage":116},1,10]