This process begins with a desire to change behavior and embrace willpower as a method of controlling your finances, as recent research suggests that this has genuine scientific merit as a self-improvement tool.
What distinguishes Baynote is the way it combines multiple sources of evidence, constructs a multidimensional model, and then allows that model to be put to various uses, an approach that points the way to a broader method for understanding many sources of evidence about consumer behavior in a coherent and useful way.