A user mobile device includes a network interface, an input/output (“I/O”) device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receive, by at least one of the network interface, I/O device, and imaging device, data indicative of spending behavior of the user, generate a user spending alert based on the received data, the user spending alert including a user photograph, and present, via the display device, the user spending alert to the user.