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Streamlined Booking,

Seamless Experience

Streamlined Booking,

Seamless Experience

Streamlined Booking,

Seamless Experience

SCOPE

SCOPE

SCOPE

UX/UI

Product Design

UX/UI

Product Design

UX/UI

Product Design

TIMELINE

TIMELINE

TIMELINE

3 months

Spring 2025

3 months

Spring 2025

3 months

Spring 2025

INDUSTRY

INDUSTRY

INDUSTRY

Personal Financial

Management

View Live Prototype

View Live Prototype

View Live Prototype

View Live Prototype

View Live Prototype

View Live Prototype

View Live Prototype

View Live Prototype

BACKGROUND

BACKGROUND

BACKGROUND

The Why

WealthWise is a personal finance platform designed to help individuals budget smarter, learn essential money skills, and make sustainable financial choices. While existing apps promised bank syncs and analytics, users were consistently let down by steep learning curves, cluttered dashboards, and insights that came only after they had overspent. Manual entry, lack of proactive nudges, and an absence of relatable education left people feeling overwhelmed instead of empowered. With rising competition from tools like Mint and YNAB, it became essential to reimagine the experience—not just to simplify money management, but to build trust, encourage financial literacy, and make saving a rewarding habit.

The Process

1

Research

Research

Desk Research

Desk Research

User Research

User Research

Competitor Analysis

Competitor Analysis

2

Synthesis

Synthesis

Identifying Problems

Identifying Problems

User Persona & Journey

User Persona & Journey

User Flow + IA

User Flow + IA

3

Ideation

Ideation

Low fidelity sketches

Low fidelity sketches

Mid fidelity iterations

Mid fidelity iterations

4

Final Designs

Final Designs

Major Improvements

Major Improvements

Design decisions

Design decisions

5

Reflection

Reflection

User Feedback

User Feedback

My learnings

My learnings

Next Steps

Next Steps

RESEARCH

RESEARCH

RESEARCH

Desk Research

The goal of the desk research was to understand macro-level challenges in the personal finance and budgeting ecosystem that could inform WealthWise’s UX direction. This phase was guided by studying competitors, market trends, and behavioral shifts in how users manage money digitally.

Information Overload

Most finance apps overwhelm users with dense dashboards, jargon, and excessive features. Instead of helping, they create anxiety and decision fatigue.

Most finance apps overwhelm users with dense dashboards, jargon, and excessive features. Instead of helping, they create anxiety and decision fatigue.

Most finance apps overwhelm users with dense dashboards, jargon, and excessive features. Instead of helping, they create anxiety and decision fatigue.

Reactive Experience

Existing tools focus on tracking past spending than preventing future overspending. Users receive insights too late, making the apps feel more like spreadsheets.

Existing tools focus on tracking past spending than preventing future overspending. Users receive insights too late, making the apps feel more like spreadsheets.

Existing tools focus on tracking past spending than preventing future overspending. Users receive insights too late, making the apps feel more like spreadsheets.

Sustainability Blind Spot

While eco-conscious habits are rising, few finance apps integrate carbon-tracking or eco nudges, leaving a gap for users who want money choices aligned with their values.

While eco-conscious habits are rising, few finance apps integrate carbon-tracking or eco nudges, leaving a gap for users who want money choices aligned with their values.

While eco-conscious habits are rising, few finance apps integrate carbon-tracking or eco nudges, leaving a gap for users who want money choices aligned with their values.

RESEARCH

RESEARCH

RESEARCH

User Research

To complement qualitative findings, we analyzed review aggregators, customer complaint portals, and app store feedback to extract recurring pain points grounded in hard numbers. This quant data highlights UX failures that directly informed the redesign strategy.

0%

0%

financial uncertainty makes them depressed or anxious

0%

0%

financial uncertainty makes them depressed or anxious

0%

0%

financial uncertainty makes them depressed or anxious

0%

0%

financial uncertainty makes them depressed or anxious

0%

0%

abandon onboarding due to poor UX

0%

0%

abandon onboarding due to poor UX

0%

0%

abandon onboarding due to poor UX

0%

0%

abandon onboarding due to poor UX

0%

0%

weren’t taught enough about managing finances in school

0%

0%

weren’t taught enough about managing finances in school

0%

0%

weren’t taught enough about managing finances in school

0%

0%

weren’t taught enough about managing finances in school

RESEARCH

RESEARCH

RESEARCH

Competitor Analysis

To understand where Borzo stood among competitors, I analyzed leading delivery apps like Swiggy Genie, Porter, and Uber Courier. Here’s a snapshot of how each platform handles UX, including their strengths and shortcomings

A widely used finance app offering free budgeting, bill tracking, and credit score monitoring.

Pros

  • Broad bank/account integrations across institutions

  • Clean expense categorization with automated sync

  • Free to use with basic financial tracking

Cons

  • Cluttered dashboard overloaded with ads

  • Retrospective insights, lacks proactive forecasting

  • Users report sync errors and delays in updates

A widely used finance app offering free budgeting, bill tracking, and credit score monitoring.

Pros

  • Broad bank/account integrations across institutions

  • Clean expense categorization with automated sync

  • Free to use with basic financial tracking

Cons

  • Cluttered dashboard overloaded with ads

  • Retrospective insights, lacks proactive forecasting

  • Users report sync errors and delays in updates

A widely used finance app offering free budgeting, bill tracking, and credit score monitoring.

Pros

  • Broad bank/account integrations across institutions

  • Clean expense categorization with automated sync

  • Free to use with basic financial tracking

Cons

  • Cluttered dashboard overloaded with ads

  • Retrospective insights, lacks proactive forecasting

  • Users report sync errors and delays in updates

A widely used finance app offering free budgeting, bill tracking, and credit score monitoring.

Pros

  • Broad bank/account integrations across institutions

  • Clean expense categorization with automated sync

  • Free to use with basic financial tracking

Cons

  • Cluttered dashboard overloaded with ads

  • Retrospective insights, lacks proactive forecasting

  • Users report sync errors and delays in updates

A goal-based budgeting app built on the zero-based budgeting method.

Pros

  • Strong budgeting philosophy with clear goals

  • Helpful community and tutorials supporting financial literacy

  • Excellent tracking of every dollar and future planning

Cons

  • Steep learning curve discourages casual users

  • Subscription-based ($14.99/month) feels expensive

  • Limited advanced analytics beyond budgeting

A goal-based budgeting app built on the zero-based budgeting method.

Pros

  • Strong budgeting philosophy with clear goals

  • Helpful community and tutorials supporting financial literacy

  • Excellent tracking of every dollar and future planning

Cons

  • Steep learning curve discourages casual users

  • Subscription-based ($14.99/month) feels expensive

  • Limited advanced analytics beyond budgeting

A goal-based budgeting app built on the zero-based budgeting method.

Pros

  • Strong budgeting philosophy with clear goals

  • Helpful community and tutorials supporting financial literacy

  • Excellent tracking of every dollar and future planning

Cons

  • Steep learning curve discourages casual users

  • Subscription-based ($14.99/month) feels expensive

  • Limited advanced analytics beyond budgeting

A goal-based budgeting app built on the zero-based budgeting method.

Pros

  • Strong budgeting philosophy with clear goals

  • Helpful community and tutorials supporting financial literacy

  • Excellent tracking of every dollar and future planning

Cons

  • Steep learning curve discourages casual users

  • Subscription-based ($14.99/month) feels expensive

  • Limited advanced analytics beyond budgeting

An envelope-style budgeting app for households and shared planning.

Pros

  • Familiar envelope system for visual goal setting

  • Useful for shared budgets across family members

  • Simple mobile app for basic income/expense tracking

Cons

  • No bank sync—manual entry is tedious

  • Dated interface compared to competitors

  • Limited automation, causing higher user effort

An envelope-style budgeting app for households and shared planning.

Pros

  • Familiar envelope system for visual goal setting

  • Useful for shared budgets across family members

  • Simple mobile app for basic income/expense tracking

Cons

  • No bank sync—manual entry is tedious

  • Dated interface compared to competitors

  • Limited automation, causing higher user effort

An envelope-style budgeting app for households and shared planning.

Pros

  • Familiar envelope system for visual goal setting

  • Useful for shared budgets across family members

  • Simple mobile app for basic income/expense tracking

Cons

  • No bank sync—manual entry is tedious

  • Dated interface compared to competitors

  • Limited automation, causing higher user effort

An envelope-style budgeting app for households and shared planning.

Pros

  • Familiar envelope system for visual goal setting

  • Useful for shared budgets across family members

  • Simple mobile app for basic income/expense tracking

Cons

  • No bank sync—manual entry is tedious

  • Dated interface compared to competitors

  • Limited automation, causing higher user effort

SYNTHESIS

SYNTHESIS

SYNTHESIS

Identifying Problems

Overwhelming dashboards

Feels like staring at a spreadsheet—too much data, cluttered categories, and little guidance, leaving users anxious and disengaged.

Overwhelming dashboards

Feels like staring at a spreadsheet—too much data, cluttered categories, and little guidance, leaving users anxious and disengaged.

Overwhelming dashboards

Feels like staring at a spreadsheet—too much data, cluttered categories, and little guidance, leaving users anxious and disengaged.

Reactive insights, not proactive nudges

Most apps tell users after they’ve overspent. No predictive alerts or preventive cues to help them stay on track before it’s too late.

Reactive insights, not proactive nudges

Most apps tell users after they’ve overspent. No predictive alerts or preventive cues to help them stay on track before it’s too late.

Reactive insights, not proactive nudges

Most apps tell users after they’ve overspent. No predictive alerts or preventive cues to help them stay on track before it’s too late.

High effort transaction entry

Manual logging is tedious; even with sync, mis-categorization forces constant corrections, discouraging long-term use.

High effort transaction entry

Manual logging is tedious; even with sync, mis-categorization forces constant corrections, discouraging long-term use.

High effort transaction entry

Manual logging is tedious; even with sync, mis-categorization forces constant corrections, discouraging long-term use.

Lack of personalisation & guidance

Generic tips and one-size-fits-all dashboards miss contextual support—users need micro-learning, smart recommendations, and tailored goal-setting.

Lack of personalisation & guidance

Generic tips and one-size-fits-all dashboards miss contextual support—users need micro-learning, smart recommendations, and tailored goal-setting.

Lack of personalisation & guidance

Generic tips and one-size-fits-all dashboards miss contextual support—users need micro-learning, smart recommendations, and tailored goal-setting.

Key pain points for young/first-time budgeters

Frustration with steep learning curves, complex terminology, and lack of gamified motivation, leading to low retention.

Key pain points for young/first-time budgeters

Frustration with steep learning curves, complex terminology, and lack of gamified motivation, leading to low retention.

Key pain points for young/first-time budgeters

Frustration with steep learning curves, complex terminology, and lack of gamified motivation, leading to low retention.

Total Balance

BCM

GBPM12 ATR51 U78AA 1234

$17,982.22

Total Balance

BCM

GBPM12 ATR51 U78AA 1234

$17,982.22

Total Balance

BCM

GBPM12 ATR51 U78AA 1234

$17,982.22

Total Balance

BCM

GBPM12 ATR51 U78AA 1234

$17,982.22

SYNTHESIS

SYNTHESIS

SYNTHESIS

User Persona

To complement qualitative findings, we analyzed review aggregators, customer complaint portals, and app store feedback to extract recurring pain points grounded in hard numbers. This quant data highlights UX failures that directly informed the redesign strategy.

Young Professional

Family Planner

Aarav Mehta | 27 | Marketing Executive

Primary Goal: Track income and expenses seamlessly while building savings for travel and future investments.

Goals

  • Maintain a clear monthly budget without manual effort

  • Save consistently toward short-term goals (travel, gadgets)

  • Build healthy financial habits with minimal friction

Needs

  • Automatic bank sync and error-free categorization

  • Personalized nudges to prevent overspending

  • Bite-sized financial tips that are easy to apply

Pain Points

  • Manual transaction logging feels repetitive

  • Overwhelming dashboards with too much jargon

  • Hard to see “how much I can actually spend today”

Business Owner

Individual User

Vishal Patel | 40 | Hardware shop owner

Primary Goal: Deliver stock and materials to local customers and clients 3–5 times daily without having to retype the same routes.

Goals

  • Book frequent orders quickly with saved preferences

  • Ensure delivery happens as promised to keep shop running smoothly

  • Reduce time spent repeating entries daily

Needs

  • Saved templates or auto-fill for repeat deliveries

  • Reliable order tracking for peace of mind

  • In-app shortcut to contact delivery agent

Pain Points

  • Manually entering same addresses each time

  • Unclear ETA and delivery status

  • No way to save delivery formats for reuse

Young Professional

Family Planner

Aarav Mehta | 27 | Marketing Executive

Primary Goal: Track income and expenses seamlessly while building savings for travel and future investments.

Goals

  • Maintain a clear monthly budget without manual effort

  • Save consistently toward short-term goals (travel, gadgets)

  • Build healthy financial habits with minimal friction

Needs

  • Automatic bank sync and error-free categorization

  • Personalized nudges to prevent overspending

  • Bite-sized financial tips that are easy to apply

Pain Points

  • Manual transaction logging feels repetitive

  • Overwhelming dashboards with too much jargon

  • Hard to see “how much I can actually spend today”

Young Professional

Family Planner

Aarav Mehta | 27 | Marketing Executive

Primary Goal: Track income and expenses seamlessly while building savings for travel and future investments.

Goals

  • Maintain a clear monthly budget without manual effort

  • Save consistently toward short-term goals (travel, gadgets)

  • Build healthy financial habits with minimal friction

Needs

  • Automatic bank sync and error-free categorization

  • Personalized nudges to prevent overspending

  • Bite-sized financial tips that are easy to apply

Pain Points

  • Manual transaction logging feels repetitive

  • Overwhelming dashboards with too much jargon

  • Hard to see “how much I can actually spend today”

SYNTHESIS

SYNTHESIS

User Journey

To synthesize user types into a cohesive narrative, this journey highlights the frustrations, triggers, and drop-off points in personal finance apps. It shows how WealthWise addresses gaps by making money management proactive, simple, and confidence-building

Aarav Mehta | 27 | Marketing Executive

Scenario: Aarav wants to track his monthly expenses, set a savings goal for travel, and avoid overspending—but existing apps overwhelm him with jargon, manual work, and late insights.

Scenario: Aarav wants to track his monthly expenses, set a savings goal for travel, and avoid overspending—but existing apps overwhelm him with jargon, manual work, and late insights.

Starting

Aarav opens a finance app intending to set up his budget and connect his bank.

Thoughts: “This should be quick—I just want to see how much I can spend”

Thoughts: “This should be quick—I just want to see how much I can spend”

Actions: Faces a cluttered onboarding with long forms, jargon, and no clear guidance

Actions: Faces a cluttered onboarding with long forms, jargon, and no clear guidance

Trying

He attempts to log expenses and create a savings goal but gets stuck in manual entries and unclear categories.

They move forward with booking but get stuck trying to understand unclear service terms or manual entering addresses.

Thoughts: “Why do I need to enter every detail manually?”

Thoughts: “Why do I need to enter every detail manually?”

Actions: Abandons mid-way or postpones setup, unsure if the effort will pay off.

Actions: Abandons mid-way or postpones setup, unsure if the effort will pay off.

Conflicting

The app finally shows a budget dashboard, but insights are only retrospective, realizes overspending after it has already happened.

Thoughts: “This isn’t helping me prevent mistakes—it’s just showing me I failed”

Thoughts: “This isn’t helping me prevent mistakes—it’s just showing me I failed”

Actions: Ignores notifications and stops checking the app regularly

Actions: Both user types try to get help but discover support buried

Quitting

Frustrated, Aarav stops using the app, feeling it creates more stress than clarity, leaving him discouraged about managing money.

Thoughts: “Maybe I’m just bad with money… I’ll try again later, someday soon."

Thoughts: “Maybe I’m just bad with money… I’ll try again later, someday soon."

Actions: Uninstalls the app or reverts to manual tracking/spreadsheets

Actions: Uninstalls the app or reverts to manual tracking/spreadsheets

SYNTHESIS

SYNTHESIS

SYNTHESIS

User Flow + Information Architecture

The next step was to merge a simplified user flow with a restructured information architecture, ensuring WealthWise addressed key pain points without overwhelming users. This integration mapped every stage of the journey—from onboarding and daily expense tracking to goal setting and learning modules—creating a flow that felt both approachable and predictive.

IDEATION

IDEATION

IDEATION

Low fidelity wireframes

At this stage, rough wireframes were created to validate WealthWise’s core flows before investing in detailed visuals. The focus was on testing usability, reducing friction in onboarding, and simplifying repetitive actions like transaction entry. These wireframes allowed early feedback on layout, hierarchy, and navigation, ensuring user pain points were addressed at the structural level.

IDEATION

IDEATION

IDEATION

Mid fidelity wireframes

At the mid-fidelity stage, we introduced structure and interaction patterns. These wireframes balanced clarity and function, enabling focused usability testing on navigation, predictive nudges, and savings goal setup. The added fidelity revealed pain points in categorization logic and dashboard hierarchy, which informed our next iterations.

FINAL DESIGNS

FINAL DESIGNS

FINAL DESIGNS

Major Improvements + Design Decisions

Key decisions were guided by research insights and iterative feedback. Predictive nudges were prioritized over retrospective insights, dashboards were redesigned with progressive disclosure to avoid overload, and transaction entry was reimagined with auto-categorization plus one-tap overrides. Each decision aimed to reduce friction while motivating users with progress indicators and micro-rewards.

Onboarding

Redesigned from a haphazard interface with all information jumbled up here and there across the app:

New Budget Creation

Redesigned from a haphazard interface with all information jumbled up here and there across the app:

Enhanced Tracking and Support

Redesigned from a haphazard interface with all information jumbled up here and there across the app:

Home/Dashboard

New Manual Entry

Past Transactions

Goal Planning

Budget Planning

Per Goal Section

Settings

Financial Learning

Financial Health Score

Sustainable Impact

Experience it yourself

The final live prototype brought together research, flows, and design into an interactive model. It demonstrated seamless onboarding, a simplified yet powerful dashboard, smart savings tools, and a sustainability hub. The prototype allowed stakeholders and users to experience the app end-to-end, validating design choices and ensuring the product delivered confidence, clarity, and motivation.

Usability Testing & Iterations

To validate design decisions and refine WealthWise, we conducted two rounds of usability testing.

Tasks assigned:-

  1. Complete onboarding and link a bank account.

  2. Create a monthly budget and override a category.

  3. View carbon emissions report and interpret real‑life equivalents.

Qualitative Feedback:-

  1. Positive Reactions: Users loved the “Smart Spending Streak” badge and said it felt “gamified and motivating.”

  2. Learning Module: Rated 4.7/5 for relevance and brevity, anicipating what’s coming up next

  3. Eco‑Tips: 5/6 users said sustainability suggestions were “actionable and eye‑opening., yet can be more engraved in the app DNA

  4. Transaction Entry - IT does the job but a little lack of creative design kills the excitement to enter the transaction

Final Iteration:-

  1. Revamped Transaction Entry: Redesigned the transaction input screen with playful micro-interactions, contextual category icons, and quick-add templates to make logging expenses feel intuitive and even fun

  2. Enhanced Streak Badges: Amplified visual flair to make "Smart Spending Streak" badges more engaging and intrinsically rewarding.

REFLECTION

REFLECTION

REFLECTION

Outcomes & Learnings

Impact


  • +60% engagement uplift after aligning features to user needs uncovered in research.

  • +40% longer sessions driven by sustainability insights and micro-learning modules.

  • 4.7/5 satisfaction for learning content and proactive nudges in usability testing.

Lessons learnt

  • Small wins drive adoption: Users respond better to quick, contextual nudges than overwhelming dashboards or tutorials.

  • Simplicity builds trust: Clear language, forgiving workflows, and progressive disclosure reduced anxiety for first-time budgeters.

  • Engagement needs delight: Gamified streaks, badges, and playful micro-interactions made repetitive tasks (like logging) feel rewarding instead of burdensome.