Designing Financial Discipline
Designing a seamless, human-centered finance experience
that transforms scattered habits into consistent saving and confident investing.
Year Industry Tools
2025 Education Figma, Photoshop
Designing Financial Discipline
Designing a seamless, human-centered finance experience that transforms scattered habits into consistent saving and confident investing.
Year :
2025
Industry :
FinTech
Tools :
Figma,Figjam,Adobe Photoshop
Project Overview
This project investigates the financial management habits of young professionals, with a focus on budgeting, savings, and investments. Young professionals today earn early, spend digitally, and invest socially yet struggle with consistency. While multiple financial tools exist, engagement drops within weeks. Tracking begins with enthusiasm but fades into irregular logging and fragmented money management.
Problem
Young professionals struggle with consistent financial management due to:
Inconsistent Tracking Habits - Users forget to log expenses and rely on balance checks instead of structured budgeting.
Limited Financial Literacy - Investments are delayed due to lack of clarity and fear of risk. Fragmented use of tools without integration Fragmented Tools - Bank apps, Google Pay history, spreadsheets, and investment apps exist in silos.
External Influence Dependency - Financial decisions are heavily shaped by peers, parents, and social media rather than independent understanding.
Research Insights
Through primary interviews and secondary research, key behavioral patterns in financial management were identified. The findings revealed gaps between intention and sustained action, highlighting the need for automation, clarity, and habit-driven design.
Opportunity Areas
By analyzing user pain points and behavior patterns, we identified core areas where intervention could drive sustained financial discipline and long-term engagement.
Information Architecture
The information architecture organizes the app into clear sections—Home, Insights, Activity, and Profile—to help users easily navigate their financial data. This structure ensures users can quickly access spending insights, track transactions, manage goals, and control account settings without confusion.
Current State Journey Map
It visualizes how young professionals manage their finances from income receipt to month-end review. It highlights real behaviors, emotional shifts, and recurring pain points, revealing patterns of early enthusiasm followed by tracking drop-offs and reactive spending reviews. Mapping the journey from Income Received → Month-End Review revealed a clear emotional arc:
“Empowering every home with sustainable, innovative solutions for everyday living enhancing lives through trusted care and conscious choices.”
This brand promise became the anchor for all future communications, reinforcing Unilever’s leadership in sustainability and consumer wellness.
Raw Thinking to Refined Thinking
Through open-ended discussions and qualitative coding, participant insights were distilled into five clear thematic categories, forming the foundation for design decisions.
Low fidelity Wireframes
Initial low-fidelity wireframes focused on simplifying navigation and reducing user friction. These early sketches allowed rapid iteration based on usability logic rather than visual details.
Final Screens
The final design integrates onboarding, bank connectivity, automated transaction tracking, and personalized financial insights into a seamless user journey. The dashboard provides users with clear visibility into their spending habits, savings progress, and financial goals.
Expected Impact
The redesigned experience aims to reduce friction in financial tracking by automating expense categorization and providing personalized insights. By combining goal-based saving with behavioral nudges, the product encourages users to develop consistent financial habits and improve long-term money management.
Key Learnings
Through this project, I learned how financial products require a strong balance between trust, clarity, and usability. Designing for fintech also emphasized the importance of simplifying complex financial information into clear visual insights that users can easily understand and act upon.
Reflections
This project helped me explore how behavioral design can influence financial habits. If given more time, I would further enhance the experience by introducing deeper financial forecasting, smarter AI-driven insights, and more personalized saving strategies to support long-term financial growth.
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Problem
Young professionals struggle with consistent financial management due to:
Inconsistent Tracking Habits - Users forget to log expenses and rely on balance checks instead of structured budgeting.
Limited Financial Literacy - Investments are delayed due to lack of clarity and fear of risk. Fragmented use of tools without integration
Fragmented Tools - Bank apps, Google Pay history, spreadsheets, and investment apps exist in silos.
External Influence Dependency - Financial decisions are heavily shaped by peers, parents, and social media rather than independent understanding.
Research Insights
Through primary interviews and secondary research, key behavioral patterns in financial management were identified. The findings revealed gaps between intention and sustained action, highlighting the need for automation, clarity, and habit-driven design.
Opportunity Areas
By analyzing user pain points and behavior patterns, we identified core areas where intervention could drive sustained financial discipline and long-term engagement.
Project Overview
This project investigates the financial management habits of young professionals, with a focus on budgeting, savings, and investments. Young professionals today earn early, spend digitally, and invest socially yet struggle with consistency. While multiple financial tools exist, engagement drops within weeks. Tracking begins with enthusiasm but fades into irregular logging and fragmented money management.
Information Architecture
The information architecture organizes the app into clear sections—Home, Insights, Activity, and Profile—to help users easily navigate their financial data. This structure ensures users can quickly access spending insights, track transactions, manage goals, and control account settings without confusion.
Current State Journey Map
It visualizes how young professionals manage their finances from income receipt to month-end review. It highlights real behaviors, emotional shifts, and recurring pain points, revealing patterns of early enthusiasm followed by tracking drop-offs and reactive spending reviews. Mapping the journey from Income Received → Month-End Review revealed a clear emotional arc:
Low fidelity Wireframes
Initial low-fidelity wireframes focused on simplifying navigation and reducing user friction. These early sketches allowed rapid iteration based on usability logic rather than visual details.
Raw Thinking to Refined
Thinking
Through open-ended discussions and qualitative coding, participant insights were distilled into five clear thematic categories, forming the foundation for design decisions.
Final Screens
The final design integrates onboarding, bank connectivity, automated transaction tracking, and personalized financial insights into a seamless user journey. The dashboard provides users with clear visibility into their spending habits, savings progress, and financial goals.
Expected Impact
The redesigned experience aims to reduce friction in financial tracking by automating expense categorization and providing personalized insights. By combining goal-based saving with behavioral nudges, the product encourages users to develop consistent financial habits and improve long-term money management.
Key Learnings
Through this project, I learned how financial products require a strong balance between trust, clarity, and usability. Designing for fintech also emphasized the importance of simplifying complex financial information into clear visual insights that users can easily understand and act upon.
Reflections
This project helped me explore how behavioral design can influence financial habits. If given more time, I would further enhance the experience by introducing deeper financial forecasting, smarter AI-driven insights, and more personalized saving strategies to support long-term financial growth.