PaySave is a Fintech Saas platform for finance management and budget tracking that allows users to keep track of their money in a convenient and efficient manner. Simple and easy-to-follow, this web platform emphasises customisation, giving users the freedom to personalise their experience to cater to their financial targets, budgets and goals.

Product Designer (UX/UI)




End-to-end design strategy - User Research, Data Synthesis, Product Design (Wireframe & Prototyping), Usability Testing


Miro, Optimal Workshop, Axure

πŸ”Ž Discovery
Most people don’t realise too often that their finances need consistent management, and often resort to a cycle of rushing to budget or overspending each payment period. From the outset of this project, it was obvious that a majority of people who often abandon the task of budgeting usually find it too complicated to continue, or may be too overwhelmed to begin.
My goal was to design a product that solves the problem of inconsistent financial management- a central location where users can pay bills and keep track of expenses and savings, creating a better relationship between themselves and their money.
πŸ’¬ Research

I conducted several interviews and field tests to better understand the current user behaviours, attitudes and goals towards finance management (bills, expenses and savings). Users were from their mid-20s to early-50s, with various financial obligations- from rent and utilities, to memberships, splurges and everyday expenses.

Key Insights
Centralised Digital System
Users gravitate towards digital platforms where they can pay bills together and all at once. People with busy schedules opt for things that are most efficient and convenient in their day-to-day life.

Mixed-payment Options
Users don’t always direct-debit everything. While the majority direct-debit their payments, some prefer to pay consciously through manual payments or mix their payment processes in order to control their budget.

Staying Consistent
Some users feel they have an established budgeting regime but it is not always easy to keep track of costs or may be too limiting at times. Those who try to begin tracking finances each pay cycle ultimately end up abandoning the task later on, and may find themselves overspending before their next pay.

Proactive Payment Tracking
Missed payments including payment bouncing back occur regularly in most users, especially with manual payments or with lost/damaged cards. People who prefer direct-debits are also not completely aware of the costs associated with their regular budget, and they ultimately end up losing track.

Setting Financial Goals
Users have expressed their desire to save up for a long-term experience or purchase, and rely on budgeting in order to attain their financial goals. They agree that having a visualisation of this data can help keep them on track and continually motivated to save.

Key insights were documented on Miro and turned into an affinity map, where the breakdown of user behaviour patterns were formed.
User personas generated from qualitative research and data synthesis, showing a typical customer and their pain points, motivations and financial goals.
πŸ“Š Data Synthesis
Defining Problem Statements

The main pain points regarding budgeting and finance management include:
1. Not having an established system to keep track of all finances, and not knowing what is free to spend.

2. A budgeting schedule that is confusing to begin with and overwhelming to continue.

3. Always compromising the funds needed to pay for bills and expenses, when they could be set aside to achieve financial goals.

Forming Hypotheses

1. Users will look forward to viewing their balances if they see how much they can safely spend before going over budget, and if they can delegate their payments, expenses, savings and goals on the spot.

2. Being able to manage bills and payments in one location would allow for simple payment processes within each pay cycle and ease the burden of having to access individual providers for information.

3. A concise breakdown of past and future expenses are important to users who do not havethe time to check these outgoings themselves. An automatic categorisation of payments and receiving real-time data, and breakdown of larger payments will be especially helpful.

4. Users who have specific financial targets and goals will enjoy having the ability to keep track of their goals and view their progress over time.

Using qualitative data and affinity mapping, I translated this into two user personas and journey maps to further define user behaviours and attitudes towards spending and saving, better empathising with their needs and goals.
I found that one segment who are more likely to spend more often do not have a specific budget set out before the payment cycle and are unaware of where their money goes over time. These users are more likely to be paying using their credit cards and have set up direct-debit for most payments. Others are notorious budgeters and self-limit their expenditure. They are more inclined to manually pay for bills, although are also more likely to forget about these payments in the long run.
A customer flow which shows a user's journey in setting up an account within PaySave.
I listed the entity and attribute breakdown for each page to help collate all the information needed for the final designs.
πŸ’‘ Designing for Simplicity
πŸ’» Product Design
Taking into consideration the problem statements and hypothesis, I designed the sitemap and information architecture for the product. I expanded on this by creating user flows to predict the customer journey and ensure the experience is seamless throughout their usage of the web platform.

The minimum viable product (MVP) thus aims to offer the following features:

- Simple registration loaded with information to educate and gain interest
- Step by step guide in creating each payment schedule/goals
- A dashboard which shows a holistic overview of user’s finances
- Clear breakdown of money that is safe to spend for the next payment cycle
- Notifications/reminders for upcoming payments and low account balances
- Ability to share spending/savings plan with others

Overview of mid-high fidelity wireframes I designed to show the registration, dashboard, bills and goals pages of the website.