**Disrupting personal finance by giving individuals the confidence to invest their own money**

**today’s individuals who are overwhelmed by choice and jargon leading to inaction**
#CustomerResearch #ExperienceInnovation

CONTEXT

While managing money and investing are extremely personal decisions, it can be an overwhelming and intimidating experience. How do you redesign the current experience of managing money to make it more joyful, giving back control and confidence to the customer.

OUR PROCESS

OUR FINDINGS

What had started as two different projects objectives, on digging deeper had common challenges. Individuals with varying levels of investment proficiency were looking for support in the choices that they were making.

Relationship with Money

People do not like to relinquish financial decisions to anyone. They wish to have the final say even if they are not the most qualified person in the room.

Security

Make money work as hard as I do. Financial Planning is seen as something successful people do.

Control

People need help in resisting impulsive purchases and not just budgeting.

They could not rely on banks for support as they had a frayed relationship with the bank. How do you create a financial tool that allowed the user to feel a sense of control over their financial decisions, and seek support from trusted parties?

OUTCOME

One key solution from the many was an intelligent assistant that makes recommendations and manages your money for you, just the way you would like it! The product helps users monitor and track their expenses, and send and receive money instantly using the UPI feature. It allows the user to navigate through the product without having to provide any personal details during on-boarding. It also assesses their financial fitness, which in turn allows them to understand their current portfolio limitations and empowers them to plan for their future.

Our designs looked at visualising data and creating interactions that balanced the simplicity a novice user needed, with the layering of information that an expert user would want.

The design language was playful and simple to make financial planning and management less intimidating. The visuals and design features gave customers a very quick view of their financial portfolio with little effort on their part and to have support at every step of the journey.