Fintrack
Fintrack is a budgeting app that goes beyond standard expense tracking by providing personalized saving tips based on a user’s work route, daily routine, and spending habits. The app leverages user data, such as location, transportation methods, and recurring expenses, to suggest actionable ways to save money without disrupting their daily lifestyle.
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Project Type
Fintech
Web, product
Research Methods
Competitor Analysis, User Interviews, User Personas, Affinity Mapping, Site Architecture, Wireframes, Usability Testing
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Discipline
UX Design, Web, product, UI Design, Visual Design
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Time Frame
April - May, 2025
Overview /
The Problem
Many individuals struggle with managing their budgets and finding realistic ways to save money. Traditional budgeting apps often provide generic advice that doesn’t align with a user’s daily routine or lifestyle. A smarter solution is needed, one that analyzes users' habits and work routes to deliver personalized, actionable tips that help them achieve their financial goals without making drastic lifestyle changes.
The Goal
To empower young professionals to take control of their finances by providing a seamless, intuitive budgeting experience. By offering personalized financial insights and actionable saving tips tailored to their daily habits, Fintrack aims to help users achieve their financial goals with confidence and ease, fostering long-term financial well-being.
Discover /
To identify potential issues, research was needed on existing products that address these user challenges. First, market research and competitive analysis were carried out to evaluate the competition and determine if there was an opportunity for a better solution. Then, user interviews were conducted to gain insight into the needs and pain points young professionals saving goals.
Competitive analysis
To better understand the competitive landscape, I conducted research on both direct and indirect competitors offering similar features, such as gamification, saving tips and security guidelines.
While some platforms were restricted by location firewalls, I identified four key competitors to analyse in depth. This gave me valuable insights into their solutions and features. By studying their approaches, I gained a clearer understanding of which features would be essential for my app and how to position it with a competitive edge in the market.
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User Interviews
User interviews were conducted with nine participants, each interview lasting between 15 to 30 minutes.
To prepare for these interviews, I developed an interview guide featuring open-ended questions to allow for the most exploration of user pain points. Following the interviews, I synthesized the findings using post-it notes in order to identify and analyze common themes.
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Finance Tracking
Most participants track their expenses manually and on an app
Automation
Users prefer an automation feature along with optional manual input
Time Constraint
Time consuming UI or app will push users away
Personalization
Lack of personalized financial advice creates a disconnect between user and app
Security
Having a high tier security feature will ensure users feel safe inputting their personal information in the app
Visual Dashboards
Users prefer quick, visual summaries through graphs and charts
Define /
The Challenge
Many young professionals struggle to build consistent saving habits and manage their finances due to a lack of personalized guidance, time constraints, and financial literacy. Traditional budgeting tools often feel rigid, impersonal, or overwhelming. The challenge is to create a user-centered budgeting experience that not only simplifies financial tracking but also adapts to each user’s lifestyle — offering relevant, timely, and actionable tips that make saving feel achievable and integrated into their daily routines.
User Personas
Target Audience - Young professionals (typically aged 22–35) who are early in their careers, earning a steady income but looking for better ways to manage spending, save consistently, and build financial habits.
Often balancing student loans, rent, and lifestyle expenses
Interested in self-improvement and long-term financial security
May feel overwhelmed by traditional financial tools or advice
Value personalized, simple, and time-efficient solutions
Motivated by clear goals, gamified experiences, and positive reinforcement
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Site Map
A site map was developed to create a clear and organised structure for the platform, based on user interviews that revealed the need for flexible navigation. Users wanted the ability to complete tasks through various sections of the platform, and this insight was central to the site map's design.
The site map was refined throughout the project to ensure intuitive navigation and a logical flow of information. It helped define the hierarchy and relationships between pages, guiding users efficiently and minimising confusion as they moved through the platform.
User Flows
User flows went a level deeper and focused on the user’s decisions at each step in completing their task. By highlighting various paths, it ensured that interactions were intuitive and aligned with user needs.
These tools were essential in refining the platform for a smooth, user-friendly experience.
User Flow
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Wireframes
Deliver /
Low-fidelity
Based on research and key insights, I began the design process with low-fidelity wireframes, prioritising ideas around critical user pain points identified in user interviews. Low-fidelity wireframes allowed for quick iterations on flows for features, providing an initial sense of the platform’s layout.
This wireframe illustrates the user flow for Fintrack, showcasing how users sign up or log in, complete an initial survey, link their bank accounts, set up savings goals and categories, and receive personalized saving tips along with weekly, monthly, or annual account summaries.
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Mid-fidelity
Based on peer and mentor feedback, significant changes were made between the low- and mid-fidelity wireframes. Key updates included adding a sign up section, an ingredient glossary, a wishlist feature, and preview of products on the homepage.
Additionally, I consolidated the search feature into a single page which aimed to improve the user experience by reducing the multi-step search process to a single page, therefore improving what is seen on competitor platforms. The page hierarchy was also refined after further feedback.
Branding
I chose the color palette based on that commonly seen in fintech apps and products evoke a professional, trustworthy and motivating sense of humor.
I selected the Istok Web and Fira Sans fonts for its modern, minimalistic feel and strong legibility on small screens, despite its limited range of font weights.
"Fintrack" felt modern, professional, and approachable. The combination of “Fin” and “track” suggests an efficient, tech-forward, and goal-oriented tool—perfect for young professionals who are tech-savvy and looking for smarter ways to manage their finances.
Usability Test
I conducted usability tests on five users within the target audience which provided valuable insights on how the users complete their tasks and interact with the platform. All users successfully completed the tasks with minimal errors. Feedback indicated that the platform's clean and straightforward design made tasks easy to complete.
Success metrics included a) Time taken to complete the task, and b) Error rate when completing the task. After conducting usability studies, all five users were able to complete the tasks in an average of 5 minutes or less. The errors that occurred during testing were simple details such as
Adding a guide or “what’s next” checklist after onboarding
Make savings tips accessible in a centralized section
Include summary narratives in financial reports
Enable smart budget suggestions and overspending alerts.
Priority Revisions
After user testing was done, it was apparent that some buttons needed to be added to make the design 100% user friendly.
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Final Prototype
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View Final Prototype
Reflection
What I learned
Creating FinTrack, taught me the importance of user research in uncovering daily patterns that influence spending, and how to translate those insights into tailored, actionable tips. Designing personalized experiences pushed me to think critically about data usage, privacy, and how to deliver value without overwhelming the user. I also gained experience in simplifying complex financial concepts into a clear, engaging interface that encourages consistent use and long-term habit change.
Next Steps
1. Feature Development
2. User Testing & Iterations
The next phase involves fully developing the platform's existing features to ensure they function seamlessly. This will lay a solid foundation for subsequent testing and refinements.
Once development is complete, further user testing will be conducted to evaluate and improve usability. Iterative adjustments will be made based on feedback to achieve optimal success metrics.