🎯 Kids stay engaged when money feels immediate, visible, and tied to clear actions.
🔁 Daily habits like scratch-offs and challenges matter more than the reward amount itself.
🧠 Financial learning happens naturally when it is embedded into real activities, not taught directly.
By the Modak Team The quotes below come directly from kids and teens who responded to a reflection challenge inside the Modak app. Grammar has been lightly corrected for readability. No answers were fabricated or altered in meaning.
The quotes below come directly from kids and teens who responded to the “Feature You Love” challenge inside the Modak app. Grammar has been lightly corrected for readability. No answers were fabricated or altered in meaning.
Building a financial app for kids is one thing. Building one that kids actually want to open every day is something else entirely.
Inside the Modak app, we asked 721 kids and teens one simple question:
“What is your favorite Modak feature and why?”
No multiple choice. No prompts. Just whatever came to mind first.
The answers were specific, enthusiastic, and more than once, genuinely surprising. Here is what they told us.
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If there is one thing 721 kids agreed on, it is this: MBX is the feature that keeps them coming back. The ability to earn points through daily challenges, scratch-offs, and walking and then convert those points into real money, showed up more than any other feature.
“The MBX rewards because it keeps me engaged.”
“I love the MBX feature. I love doing the little challenges and earning things.”
“I like the mbx because I do fun things and get currency.”
“I love the MBX because for every 100 I get 1 dollar.”
"I love the challenges. You can earn real money by sitting down for 5 minutes and completing challenges.”
“My favorite modak feature is the mbx so you can earn extra money.”
What stands out here is not just that kids like earning it is that they understand how it works. They mention the conversion, they track their balance, and they connect effort with reward. That is not passive engagement that is learning by doing.
Separate from MBX challenges, the daily scratch-off feature came up consistently as something kids look forward to. Not because of the amount but because of the habit.
“I like the scratch-em all because it keeps me logging in.”
“You get daily scratchers, it gives you free money.”
“I love doing the daily scratchers, plus it's very colorful.”
“I LOVVVEEE the scratch tickets. I think it's quite fun and a nice and engaging way to bring people into Modak.”
“The daily scratch off! Because I don't always get money and this can help me.”
“I like the scratch cards because they are very engaging for children.”
“I don’t always get money and this can help me.”
That line says a lot. The scratch-off is not just about what you get, it is about showing up to check. Over time, that creates a habit: open the app, look at your balance, stay connected to your money.
The walking feature, where kids earn MBX by hitting a daily step goal showed up in a way that is hard to ignore. Kids did not just describe it as useful. They described it as something that changed what they do.
“I love the walking feature because it makes me exercise!”
“MBX taught me to walk more and save money. It also taught me that going outside is fun and getting rewarded with MBX made me want to go outside way more.”
“I like that I get MBX points for my steps. I check every day to be sure I get my steps in.”
“I like the walking feature because it shows how many steps I walk in a day so I know to at least walk 5,000 steps.”
“I love the steps feature. I love walking so it keeps me motivated.”
“The walking because I can just walk with my phone all day and get points.”
The pattern is simple: clear goal, immediate reward, visible progress. And in this case, it goes beyond money, it shapes behavior.
The chores feature came up often, and kids were specific about why they liked it. Not just because they get paid, but because of how the system works.
“Being able to take a picture of the chore I completed, and if it gets approved I know I did a good job.”
“I like getting paid for my chores as soon as mom approves them, instead of waiting for her to go get cash.”
“My favorite feature is the chores part. I love that you can add chores and get assigned chores and upload a picture to prove that you did it.”
“I like the option for chores! It helps my parents know what chores I did and how much to give me.”
“My favorite feature is the chores feature because it keeps track of what I did and how much I received.”
“Chores because they are pretty easy and I get easy money from it, and it takes away work from my parents.”
That last point stands out. Some kids are not just thinking about the money, they are noticing how the system works for their family.
A consistent group of kids pointed to savings features especially the ones that make it harder to spend what they are trying to keep.
“I like the snowball savings because it helps me save better than just leaving it in my account, and it gives you a boost of money.”
“I love the snowman saving because it helps you save even when you don’t want to.”
“My favorite feature on Modak is the savings goals. I like being able to set a goal for something I actually want and watch the progress bar slowly fill up.”
“I love the goals/snowball section where I can lock my money, it helps me save.”
“It helps me not buy random things that I don’t need.”
“The savings because it reminds me to not spend all my money.”
For these kids, saving is not abstract. It is something they actively manage, often by putting distance between themselves and their spending.
💰 Modak turns everyday actions into real earnings through MBX, making money feel tangible.
🚶 The app builds consistent habits with features like daily rewards and step-based goals.
📊 Modak helps kids learn by doing, tracking, saving, and spending in a system they control.
Security was not the most common theme but it showed up in a meaningful way. Kids care about knowing their money is protected.
“I like how you have to put your fingerprint in to unlock the app it makes me feel like my money is safe.”
“I like the feature to lock your card to keep it safe.”
“I like that I can lock and unlock my card because I subscribe to a lot of things.”
“The feature I love the most is having a pin so no one can see my card.”
“I love the Face ID feature, it helps if you forget your password.”
“I like the card lock and unlock, even if I lose my card I can lock it.”
For some kids, these features are not extras, they are what makes the experience feel real.
Not every answer was about earning or saving. A number of kids focused on how the app connects them to their parents.
“I love the feature where I can send a code so others can send me money. I have divorced parents so this helps so much when my mom or dad wants to send me money.”
“I love having a card, so the transfer from my mom is awesome, earning money for completing chores.”
“I love that it sends my parents a notification when I buy something.”
“I love the ability for parents to send you money.”
“I like how my family can send me money easily.”
“I like the automatic payment for an allowance so my parents don’t forget.”
One response, especially, stands out. A feature designed for convenience became something that helps a kid stay connected to both parents. That is not a feature on paper, that is how it shows up in real life.
Many kids mentioned financial tips, often as a secondary detail, something they noticed while doing something else.
“I love that all the MBX always has a financial tip. It’s so good how kids learn how to spend money wisely.”
“I like how every day you can get daily MBX and also a tip, I learn how to use my money better.”
“My favorite part of Modak is the financial tips. They are very helpful.”
“It teaches me to be responsible with my money.”
“It gives me a smart tip that will help me in the future.”
They are not coming to the app for the lessons, but they are picking them up along the way.
When kids talk about what they love in an app, they do not focus on complexity. They focus on what works.
The features that matter most are the ones that make things clear and immediate:
MBX, chores, scratch-offs, savings they all follow that same pattern.
Kids do not need a complicated system. They need something that feels real, responsive, and theirs.
And when they get that, they use it.
Modak gives kids real ways to earn, save, and spend with the features they actually use. Get started at Modak now!
These responses were collected through the “Feature You Love” challenge inside the Modak app, where kids and teens earn MBX rewards for engaging with financial and personal growth prompts. Modak is a kids debit card and financial learning platform for children up to 17-year-olds.
All quotes in this article were submitted by real kids and teens through the Modak in-app challenge “Feature You Love.” 721 responses were collected in total. Grammar and spelling were lightly corrected for readability. No responses were fabricated or altered in meaning. The themes and sections reflect the most common topics that emerged organically across the full dataset.
