You think the college admissions scandal is bad? Consider this: more than 1 million college students drop out each year. Getting in isn’t the problem– graduating is. If any industry needs tech disruption, it’s this one.

Science is increasingly changing the way we perceive financial responsibility. Recent research has shown that traditional ways of understanding and teaching finance have fallen flat because they don’t take into account important behavioral patterns.

Current financial literacy in the United States is awful—not that that’s anything new. But it’s not as if people don’t know that saving money is important. Nor is it the case that Americans don’t have access to the financial tools they need to be successful.