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Bella Scott

Senior Incubation Research Manager at Filene Research Institute


As Senior Manager of Incubation Research at Filene, Bella oversees research supporting credit unions' efforts to expand financial access and cultivate community well-being. Driven by the principle that innovation should catalyze positive social change, she bridges the gap between complex research and strategic action, empowering credit union leaders to make informed decisions that drive meaningful results.

Bella's research background includes work in academic and applied settings, focusing on areas like human behavior, sleep, and mental health. Drawing on a decade of research experience at institutions like Stanford, Brown, and UT Southwestern, her interdisciplinary approach brings a valuable perspective to the financial services and wellness space. Driven by a desire to see her research applied in the real world, she shifted her focus from academia to user experience research, working with startups and eventually becoming a design researcher for Blue Cross Blue Shield’s innovation lab. Through her work in healthcare innovation, Bella honed her ability to translate complex insights into effective solutions. Seeking a role where she could directly apply her knowledge to address real-world needs and contribute to community wellness, Bella found a natural alignment with Filene's cooperative ethos and people-centered approach, as it mirrored her dedication to creating solutions where profit serves people, not the other way around.

Bella holds a Bachelor of Arts in Psychology from the University of North Texas and a Master of Science in Applied Psychology from the University of Southern California. Outside of her professional pursuits, she enjoys yoga, making music, community advocacy, and lively discussions on topics ranging from the implications of time-space compression to the genius behind K-Pop marketing strategy.

The latest from Bella

  • Report #665 |

    2025 FiLab Results: Silvur

    One of the six solutions selected for the 2025 FiLab testing phase focused on supporting members through one of the most complex transitions they will face, retirement. Silvur is a white-labeled digital platform that guides members through Social Security, Medicare, and retirement income decisions, to test whether retirement education delivered through the credit union channel could deepen member relationships and support asset retention at a critical life stage.
  • Report #664 |

    2025 FiLab Results: Debbie

    One of the six solutions selected for the 2025 FiLab testing phase focused on engaging the next generation of credit union members. To address this growing challenge, FiLab partnered with Debbie to test whether its rewards-based platform could help credit unions attract Gen Z and millennial members, deepen deposit activity, and build lasting financial habits through gamification and cash incentives.
  • Report #663 | Members

    2025 FiLab Results: Cardfit

    Credit cards remain one of the most powerful tools for deepening member relationships, yet most consumers still turn to big banks when choosing a card. Why? Because credit unions are often invisible in the digital comparison journey. Filene’s latest FiLab Fintech report explores how seven credit unions tested CardFit’s comparison platform to change that dynamic, and what they learned about engagement, targeting, and the hidden barriers standing between interest and approval.
  • Report #660 |

    2025 FiLab Results: Casap

    One of the six solutions selected for the 2025 FiLab testing phase focused on improving how credit unions manage fraud disputes, an operational and reputational pressure point that continues to intensify as fraud volumes rise. To address this long-standing challenge, FiLab partnered with Casap to test whether its fraud dispute automation platform can reduce manual burden, improve processing speed and strengthen member trust during high-stakes resolution moments.