Case Study: Designing for Behavior Change

Problems to solve

Overspending

Complication

Low Savings

Money Management

Financial Awareness

Debt

Self-Control

Disciplined spending is important but not easy. Most households struggle to save because there is no money left to save in the first place.

Keeping track of what was spent in the past can be relevant, but figuring out what to spend in the present has stronger potential to change behaviour and create transformation. How can we use design to help control spending at the time it's needed most (when spending decisions are first formed)?

Inbox
16,180
Prioritize Actionable Messages
August 2019
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Questions to ask

What are the things that truly matter?

What can you control?

How well does current spending behavior align with values?

What is there to accomplish, and why?

To help people do something different from what they normally do, we must first help them think differently and meet them where they currently stand.

In an industry saturated with tools that make it effortless to spend more money, there is significant potential to go against the current. We can design a better environment to give people the support they need to make smarter decisions that change their financial trajectory.

July 25

$150.00

Balance
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Increase savings by $250 per month
Groceries
Entertainment
Eating out
Clothing
$150.00
Balance
Mastercard
**** 1618
Nike Airmax
24 hours ahead. Achieved in 3 days.
Accelerated
Automatic
Spain
2 weeks ahead. Achieved by next August.
Automatic
Accelerated
Model S
6 months behind. Achieved in 2 years.
Automatic
Accelerated

Research and exploration

Onboarding

Budgeting day-to-day decisions can be complex and laden with guilt. Keeping spending aligned with happiness is a better way to focus the user’s efforts.

That’s why funds towards goals are first allocated and planned for. Once goals are set, discretionary expenses are ranked by the user so that a formula can help guide spending decisions at the time of purchase.

Increase savings by $250 per month
Groceries
Entertainment
Eating out
Clothing

Awareness

We can't control the past, but we can understand it to help shape future behaviors.

A calendar view puts your spending into perspective so that you can be conscious of where your money goes.

July 25

$150.00

Balance
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-200
 
 
 
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Conscious spending

Before overspending can happen, the progress towards goals are displayed and recalculated.

If the user decides to overspend then the most prioritized goal can still be protected and funded by toggling the savings automation.

Nike Airmax
24 hours ahead. Achieved in 3 days.
Accelerated
Automatic
Spain
2 weeks ahead. Achieved by next August.
Automatic
Accelerated
Model S
6 months behind. Achieved in 2 years.
Automatic
Accelerated

Rethinking actions

Ultimately, the goal of any product is to create an environment that nurtures behavior change.

In our design, we provide spending insights and a clear path to goals to help influence smarter decisions. Before any purchase can be made, the user becomes fully aware of how well that decision aligns with their happiness and goals.

$150.00
Balance
Mastercard
**** 1618

Problems solved

Complication

Overspending

Debt

Low Savings

To enable financial health and create new savings, we need users to plan for them in the first place. By automating goals first, we can help bring awareness to what's safe to spend for all other decisions.

Money Management

Financial Awareness

Self-Control

As we create new willingness to change, we must support the user by building confidence in their continued ability to change. Each purchase automatically builds each goal, and the data can be used to inspire even bigger goals as achievements are made.

July 25

$150.00

Balance
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T
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T
F
S
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9
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-15
-200
 
 
 
15
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-115
-15
 
 
 
 
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Connected Accounts:
Grado SR80e
12 hours ahead. Achieved in 4 days.
Accelerated
Automatic
Italy Trip
3 weeks ahead. achieved by next August.
Automatic
Accelerated
Model S
6 months behind. Achieved in 2 years.
Automatic
Accelerated

Timeline

Past
-$350
Present
+$20
Future
+$60
-3
-2
-1
0
+1
+2
+3

Transactions

Income
Expenses
Recent
S
Netflix
$9.99
S
Amazon Prime
$12.99
F
Five Fishermen
$39.67
C
Frank And Oak
$90.85
$150.00
Balance
Mastercard
**** 1618
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