Why Your Bank App Makes You Anxious (And How to Fix It) — Phat Nguyen

What if the internet went completely dark during an earthquake — no cell towers, no Wi-Fi — and your phone could still save your life? That's the problem Phat Nguyen's team solved to win the Tokyo AI for Social Impact Hackathon, using nothing but Bluetooth mesh networking.In this episode of the Produck Podcast, Phat takes us through his journey from Vietnam to Tokyo — and what it took to go from self-taught coder to Technical Product Manager at one of Japan's most exciting fintech startups, Habito.🇻🇳 How a scholarship to a tiny snowy town in Hokkaido set Phat on a path from Vietnam to a career in Tokyo tech🔐 Why "anxiety design" is the most underrated concept in fintech — and what banks get wrong about making users feel safe💸 The one thing that matters more than cool AI features when you're building a product that handles people's money📡 Inside "Beacon" — the Bluetooth mesh network app Phat's team built to share critical info when all internet goes down in a disaster🤖 How Habito is quietly building an AI financial advisor called Haya — and why they're rolling it out to fewer than 200 users on purpose🛒 Why agentic commerce could make the internet feel like Google again — simple, clean, and instantPhat Nguyen is a Technical Product Manager at Habito, a Tokyo-based fintech startup helping young Japanese build healthy money habits through personalized financial advisors and AI-powered coaching. A former software engineer at Rakuten, Phat brings a rare blend of technical depth and product thinking to one of Japan's most exciting fintech startups.Connect with Phat Nguyen on LinkedIn: https://www.linkedin.com/in/tanphat-ng/Subscribe for more conversations with builders, innovators, and unconventional thinkers from around the world.If you enjoy the Produck Podcast and want to help keep it going, becoming a Patreon supporter is the best way to do it. Starting at just $5/month, your support directly shapes the future of the show. We'd love to have you in the community: https://www.patreon.com/c/ProduckPodcast 🙏#produckpodcast #FintechProduct #ProductManagement #JapanStartup #AIHackathon #Habito #AnxietyDesign #AgenticCommerce #Rakuten #AIFinance #StartupJapan #TechPodcast