Speaking on a panel Tuesday at SoFi’s offices in downtown San Francisco, fintech designers shared with moderator and behavioral economist Kristen Berman exactly what challenges users face when it comes to navigating financial tech, and how good design can help users overcome these barriers.

SoFi Another challenge for these designers is helping their users even conceptualize the scale of large debts like student loans and credit cards.

Digit uses automation to help its users “Save money without thinking about it.” It just transfers money from a bank account into a Digit account.

Unlike automated bank transfers, Digit helps users figure out their savings goals and what the right amount of money is to save.

At Robinhood, which helps users invest in the stock market and cryptocurrency, the biggest user concern is “The fear of getting started,” according to Heather Breslow, lead user experience researcher at Robinhood.

Robinhood also offers new users a free share of stock so that they can become comfortable with the daily ebbs and flows of the stock market, without putting any of their own money on the line.

Whether it’s a set of tech stocks, or stocks from companies with female CEOs, Robinhood reduces the number of decisions that users have to make until they are comfortable taking control over their entire portfolio.