Consumer financial capability
Credit, borrowing, debt, savings, banking, financial products, and the decisions households face.
Explore educational topics →Independent financial education & research
Substance Over Spectacle.
Making money, markets, and financial systems easier to understand. We turn complex financial topics into clear, sourced research and practical education for individuals, communities, and organizations.
Independent analysis. Transparent sources. Education before advice.
Our purpose
Financial knowledge should be understandable, useful, and accessible.
Moya & Moya is an independent financial education and research company. We examine how financial products, institutions, markets, and everyday decisions affect people—and explain what the evidence shows in language people can use.
What we focus on
A connected view of household finance, financial systems, and economic forces.
Research & public understanding
Evidence-based analysis of consumer finance, financial institutions, markets, and emerging economic risks.
Read our research →Programs & partnerships
Educational workshops, learning materials, research projects, and partnerships with organizations serving the public.
Explore partnerships →For organizations
Education designed around real financial questions.
We work with community organizations, schools, employers, public agencies, and mission-aligned partners to develop accessible financial education and research-informed learning programs.
Discuss a programWorkshopsFacilitated learning on credit, debt, savings, and financial decisions.
Educational materialsPlain-language guides, presentations, and learning resources.
Research and evaluationEvidence reviews, needs assessments, and program learning.
Research that follows the money
Our publications investigate how financial systems work, who bears the risk, and what the evidence can—and cannot—tell us.
- MM-2026-003Research paper
Nov 5, 2026The Ouroboros Economy: Circular Financing in the AI Buildout and Who Holds the Risk
How capital, debt, and revenue commitments connect across the AI infrastructure buildout.
- MM-2026-002Research paper
Nov 2, 2026Unsecured Consumer Credit and the Next U.S. Financial Crisis: An Updated Estimative Assessment
An assessment of consumer credit risks, household debt, and potential financial-system contagion.
- MM-2026-001Research paper
Oct 25, 2026Performative Consumption: How Seasonal Content, Social Media, and Buy Now, Pay Later Turn Display into Debt
How social media, seasonal consumption, and short-term credit intersect.
Money Memo
Short-form analysis that makes current financial and economic issues easier to follow.
- Nov 2026Article
The Trillion-Dollar Season, and Who Finances It
What holiday spending forecasts reveal about household payment choices and borrowing.
- Nov 2026Article
The AI Loop Meets the Lenders: What the Past Week Says About Who Pays
What financing structures can tell us about risk in the AI buildout.
How we work
Trust is built through method, transparency, and clear boundaries.
Evidence first
We prioritize primary sources, named datasets, traceable citations, and clearly labeled estimates.
Plain-language education
We explain concepts without assuming prior financial knowledge or promising outcomes.
Independence and disclosure
Funding, affiliations, limitations, and potential conflicts are disclosed. Commissioned work does not purchase conclusions.
Author
Jenny Moya
Founder and lead researcher
Jenny researches how money shapes everyday decisions and global risk, from the way social media, seasonal retail, and buy now, pay later credit drive household spending and debt to the finances behind global security threats. She is a graduate of Tulane University’s School of Professional Advancement, with a graduate degree in Intelligence Studies.
- EducationGraduate degree in Intelligence Studies, Tulane University School of Professional Advancement
- CertificationHealth and Wellness Coach, American Council on Exercise
Stay informed
Receive an email when new research or a Money Memo article is published. No spam; unsubscribe at any time.
Bring financial education to your community
Interested in a workshop, educational partnership, research project, or collaboration? Tell us what you are working on.
Start a conversation