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An app that streamlines personal finances with effortless money management

THE PROBLEM

Existing payment applications are often overloaded with features, difficult to use, and do not always provide a high level of transaction security.

Users need a solution that simplifies and speeds up the payment process while ensuring the reliability and confidentiality of their financial information.

GOAL

The main goal is to create a reliable, intuitive and efficient payment application that will greatly simplify and speed up money transactions for users, as well as allow them to organize their personal finances.

This project was created as part of the UX-Design Course by CareerFoundry.

THE APPROACH

01

Understanding user needs

Interviews with people using financial apps regularly to identify pain points and needs.
Competitor Analysis: Study competitor tools to uncover gaps in the market.

02

Defining key features

Determine the features and functionality of the platform.
Visualize the platform structure, ensuring it meets users' needs.

03

Implementation and
evaluation

Conduct usability testing with a diverse user group.
Iterate on design based on user feedback, focusing on user needs and preferences.
Key questions to be answered during the development included:
  • How to make the interface as intuitive and user-friendly as possible?
  • How to ensure a high level of payment security?
  • How to optimize the process of data entry and transaction confirmation?

RESEARCH AND
DISCOVERY

Understanding User Needs

To identify the pain points associated with the Plutopay financial app, three comprehensive interviews were conducted with individuals who align with the demographics of the target audience.
PAIN POINTS
  1. Users desired a simple, intuitive application that provided key basic functions without unnecessary features. They wanted the interface to be clean and easy to use, and for basic operations to be easily accessible.
  2. Security and verification were very important, with biometric authentication being preferred. Participants were concerned about data security, and wanted a multi-layered approach to protection.
  3. When it came to payments and transfers, users wanted to be able to quickly and securely transfer money to others, make payments in different currencies, and set spending limits. They found current processes for transferring money between different banks to be inconvenient.
  4. The registration and verification process is complex.
  5. The application often crashes and freezes.
  6. There is no feature for quickly locking a card.

THE SOLUTION

Unified Financial Management: PlutoPay consolidates multiple financial tasks into a single app, allowing users to manage money transfers, payments, budgeting, and donations in one streamlined platform, improving efficiency and reducing confusion.
Simplified Transactions: PlutoPay offers an intuitive interface for seamless money transfers, payments, and donations. With just a few taps, users can perform complex financial operations, saving time and minimizing errors.
Real-Time Financial Insights: PlutoPay provides clear, real-time analytics and financial data, empowering users with actionable insights to track income, spending patterns, and overall financial health, helping them make informed decisions.
Secure Transactions: PlutoPay integrates advanced security measures, including encryption and multi-factor authentication, to ensure that all financial transactions are secure and protect users from fraud or data breaches.
Centralized Financial Portfolio Management: PlutoPay offers a unified system for managing personal finances, allowing users to organize their financial data, track expenses, set financial goals, and make informed decisions, thereby addressing the challenges of disorganized financial portfolios.

User Personas

From the research data, two detailed user personas are developed: Julia, a Marketing Specialist seeking better financial organization, and Drake, an Entrepreneur wanting to manage personal and business finances through a single app. These personas represent distinct user segments with specific needs and goals.
These personas were created based on data from user interviews and affinity mapping that helped identify patterns in user behavior, needs, goals, and frustrations.
Julia is a 37-year-old marketing professional living in Arizona with her husband and two children. She is an active mobile banking user and appreciates apps that combine advanced technology and reliability.
Drake is a 42-year-old entrepreneur living in Berlin with his wife and daughter. He is well versed in technology and prefers to manage his finances using mobile apps. Due to his heavy workload and frequent business trips, he finds it difficult to keep track of his personal and business expenses.
These personas played a key role in the design and development of the PlutoPay app. By understanding their needs, pain points, and goals, I was able to ensure that the app met the specific requirements of the target audience, which ultimately improved their financial management experience.

User Flow
User journey maps are created for both Julia and Drake, illustrating their interactions with the app, their emotional responses, and pain points encountered along the way.

PROTOTYPING AND TESTING

Low-fidelity prototypes are created using Figma to design basic layouts and user flows for the mobile and desktop versions of the app.
Grid systems are implemented to provide consistent alignment and visual hierarchy in the mobile and desktop versions.
Medium-fidelity sketches are developed to include more detailed design elements and interactive features.
Next, a usability testing plan was drafted that specifies testing goals, participant demographics, testing objectives, and metrics for evaluating the usability of the application.
Usability test scripts were prepared including demographic questions, reference questions, open-ended questions, direct tasks, scenario tasks, and summary questions.
Usability testing was conducted with real users, and their feedback was documented and analyzed to identify areas for improvement.
A/B testing and preference testing were used to evaluate the effectiveness of different design options, such as button placement and inclusion of social login options.

Final Design Refinements and Handoff

Emotional design principles were applied to increase user engagement and create a visually appealing experience. For example, cool blue tones created a sense of trust, while dark backgrounds emphasized a modern aesthetic.

Design System

A comprehensive design system was created. It documented design elements, typography, color palettes, grid systems, iconography, and spacing to maintain visual consistency throughout the application.
Style Guide Link

Summary

The final result The final PlutoPay solution is an intuitive and reliable mobile application for making cashless payments.
The key features of the solution are:
A minimalist and intuitive interface that makes the payment process much easier and faster. Users can quickly and easily enter data, check transaction information, and confirm payments.
Advanced authentication methods, including biometric fingerprint and facial recognition, provide a high level of security and protection for user data.
Integrated features for instant notifications of completed transactions, expense tracking, and budget management help users better control their finances.

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