The wAIse Pay app forecasts the weekly budget for users through AI to maintain their financial stability.
Users often overspend on leisure activities, lacking control over their spending, which can disrupt financial goals.
how might we
Encourage users to make informed decisions to control their impulsive spending?
My role
Led end-to-end design and development from concept to execution alongside cross-functional teams.
20% increase in monthly savings for working professionals by controlling leisure expenditures.
Simplified
Analytics
Intuitive
interfaces
User-Centered
Design
Design
Consistency
notable features
Weekly budget through AI
Literature Review
Market Research
User Research
MVP & Critiques
Usability Testing
Approach was to design a scalable solution that can be accessible to everyone.
looking at what already exist
Intuit Mint made 1.6 Billion revenue during 2023 year by providing budgeting solutions to users.
Gamification to engage users.
Guidance for financial literacy.
Insights on categorized expenses.
Budgeting small expenses
Small budgets and goals are often neglected.
Future expense
Lack of predictive analytics to based on users' spending patterns that hinders financial planning for upcoming commitments.
Personalized guidance
AI in finance is expected to revolutionize and to create more sensible experiences.
Financial freedom looks different for everyone.
Design for accessibility
Understand patterns in user pain points and create customizable features to ensure the solution is inclusive to broader user segments.
User Interviews + Expert Interviews + Field Observation + Contextual Inquiry
I used functional knowledge gained from our competitors and their audience to identify the target users.
Unavoidable expenditure
Rent, taxes, loan, daily commute, etc.
For long term goals
Fixed deposit, recuring deposit, investments, etc.
Spent on essential things
Grocery, personal care, food, medical expenses, etc.
Spent according to interests
Leisure activities, personal hobbies, entertainment, etc.
Problem
Impulsive spending is happening in the remains.
Opportunity
Promote understanding of unforeseen expenditures.
Opportunity
Weekly basis budget plan
Forecast future budget
Through predictive analytics from past expenses.
Weekly budget
Personalized weekly budget through user data collection and insights
AI Assistance
Data monitoring through integrated payment systems.
To stay relevant, I conducted research on current trends to ensure my work was informed by the latest advancements.
This approach helped us create user experiences that were both innovative and aligned with industry standards.
Personalize user experiences to automate tasks.
Compliance with banking and financial laws for spending features.
Paper Sketches + Low fidelity + Style guides
Core Tasks
Ask Ai
View balance
Perform transaction
View analytics
Existing design systems aside, sketching ideas on paper helped us to visualize design ideas first.
Feature Walk through + Unmoderated usability testing
We conducted three rounds of usability testing to test our MVP: One with a paper prototype, one with low-fidelity wireframes, and the final with high-fidelity designs.
For the first two phases, I only interviewed personas, while for the high-fidelity designs, I tested with a broader range of users.
Outcome
Understanding the root cause
As a result, we achieved a seamless design that is intuitive.
User 1
"I take out my iPad when I feel low and I eventually start adding items to cart. Next thing I know is my order is placed".
User 2
"I want to see this app on my Apple watch so that I can make purchasing decision quicker ".
User 3
"I want to see total budget spent in a day to plan my expenses for the next day".
After conducting usability testing phase one, we designed MVP for tablet. This did not only solve user problem but also helped us to make scalable design.
UI for tablet screen
36% of shopaholics make use of iPads and tablets to make online purchases.
Expense of the day on analytics graph
This feature will help users make more precise decisions in advance.
MVP for tablet screen
Budget Analytics
Spend through app to keep the track
Adding funds to the app just for user's leisure expenses automatically limits spending. Categorized weekly budget make it easier for users to manage finances.
Feedback from different demographic users
Add third party transactions
Adjust weekly budget
Labeling
Gestalt law principles
20% increase in monthly savings for working professionals by controlling leisure expenditures.
Simplified
Analytics
Intuitive
interfaces
User-Centered
Design
Design
Consistency
