Have you ever overspent and felt the need to be punished? Do you believe that through pain you could learn to be smarter with your monetary allowance? Interact IoT is a banking hub that is willing to lay down the law and work with you.  By linking your credit cards or bank account with Interact IoT, you can establish your spending parameters with them.  Should you cross over the forbidden zone, it will connect to your wearable devices and provoke an undesired reaction (i.e. an electric shock from the Pavlok wrist wearable).  I am not quite sure how many zaps a typical person would need to break a bad habit but hey, if it works for some, then great!