If Hip Pocket CEO Mark Zmarzly's Kickstarter campaign for Hip Money goes well, swipingright will become synonymous with saving money and paying downdebt, not finding a date.

The personal finance management app addresses the reality thatpeople want to make better financial decisions and build strongfinancial futures while still living and enjoying the present. Witha simple nudge, the app makes savings seem both easy and possiblerather than a chore or sacrifice. Zmarzly said initial estimatesshow that the average Hip Money user will see $132 in interestsavings per year.

Here is how itworks.

To understand the user's spending habits, the phone app links toexisting checking, savings, credit and/or loan accounts. Users settheir goals big or small. Hip Money then calculates and offersrealistic, personalized daily savings opportunities based on theirspending and savings habits. Users look at phone notifications todetermine if the suggestions are low, high or just right, thenswipe right to move small amounts of money into their savingsaccount or prepay a loan.

“Money is emotional,” Zmarzly said. “So why not tap intothe positive emotion behind savings and debt eliminationwith notifications, future value forecasting and fun GIFs to hit auser up once a day with a customized savings recommendation,show them the best options for their money, and helpthem celebrate the small savings action in a fun way?”

Reaching out to the Kickstarter community goes beyond measuring the market andcrowdfunding more than $15,000 for the next stage of the app'sproduct development. Zmarzly has hopes to start what he'sdubbed the Fingers Up Movement.

“This is bigger than just an app. It is a long-overdue movementfor change,” he said. “The bigger goals are to enable everyone tobe smarter with their finances, to force banks to care more aboutpeople than profit and to inspire people to no longer settle forthe status quo.”

Another advantage of Kickstarter? It allows the Lincoln,Neb.-based software company to identify and partner with a loyaland small test group of users who share the same people-firstphilosophy to co-create Hip Money. Pledges run from $12 for adiscounted year's subscription to $5,000 for a university, creditunion or employer to pilot a white label version of Hip Money.

The company has already started building the app with an eye onan October 2016 deadline. Sno Falls Credit Union based inSnoqualmie, Wash. stepped up as the first credit unionto pilot the program and Zmarzly said there's room for more tolaunch the app with their members as well.

“This drives home our value proposition of enhancing thefinancial well being of our members particularly the dailyeducation piece of it when deciding to swipe or not,” TimothyWilliams, president/CEO Sno Falls CU said. “We as an industry needto figure out how to be in the FinTech space. If we're not offeringthose solutions, our members will get them somewhere else. We haveto be a part of that conversation.”

In an industry that wants validation and safety, Zmarzly said heunderstands partnering with a startup is neither, but that won'tstop the groundswell of change that's coming.

“Every industry should be looking for ways to disrupt theircurrent business models. If you don't, someone else is looking todo just that,” he said. “The financial industry is at a pivotalpoint. How can your financial institution be a part of what'shappening? If you were to design your own financial institutionfrom the ground up, what would you change? Being reactive is nolonger acceptable for our industry. “