Have you thought about making bill pay more flexible? I just did a project for school that let users set their bill pay to "ask for permission." This gives a little control back to members so if they're not ready for money to be withdrawn, they can snooze the reminder and give permission to pay at a later time. The idea came from interviews I did with people about banking hhabits. About half of them said they don't use bill pay for more things because they don't feel comfortable with auto withdrawals (these people were ages ~28-33). I did put this through some testing, but not a ton, and had pretty enthusiastic result.
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