For the national UI/UX competition GEMASTIK XII, I co-created Beruang, a personal budget and payment gateway app, with two friends, winning Gold.
For the national UI/UX competition GEMASTIK XII, I co-created Beruang, a personal budget and payment gateway app, with two friends, winning Gold.
For the national UI/UX competition GEMASTIK XII, I co-created Beruang, a personal budget and payment gateway app, with two friends, winning Gold.
Problem statement
Problem statement
Problem statement
In Indonesia, the rise of e-wallets like Go-Pay, OVO, and DANA has made transactions more convenient but also led to impulsive spending and financial instability among users. Many people struggle to manage their finances due to easy access and frequent small purchases. This project addresses these challenges by integrating budgeting tools within e-wallets to promote better financial control.
In Indonesia, the rise of e-wallets like Go-Pay, OVO, and DANA has made transactions more convenient but also led to impulsive spending and financial instability among users. Many people struggle to manage their finances due to easy access and frequent small purchases. This project addresses these challenges by integrating budgeting tools within e-wallets to promote better financial control.
In Indonesia, the rise of e-wallets like Go-Pay, OVO, and DANA has made transactions more convenient but also led to impulsive spending and financial instability among users. Many people struggle to manage their finances due to easy access and frequent small purchases. This project addresses these challenges by integrating budgeting tools within e-wallets to promote better financial control.
E-wallet promotion banner in 2019
E-wallet promotion banner in 2019
E-wallet promotion banner in 2019
Design process
Design process
Design process
To provide the upcoming need, we aim to create a solution that could be predicted and measureable using User-Centered Design method. We also wanted to take minimum risk with short time in the development.
To provide the upcoming need, we aim to create a solution that could be predicted and measureable using User-Centered Design method. We also wanted to take minimum risk with short time in the development.
To provide the upcoming need, we aim to create a solution that could be predicted and measureable using User-Centered Design method. We also wanted to take minimum risk with short time in the development.
Establish requirement
Establish requirement
Establish requirement
Design alternatives
Design alternatives
Design alternatives
Build prototype
Build prototype
Build prototype
Evaluate design
Evaluate design
Evaluate design
Quantitative and qualitative research
Quantitative and qualitative research
Quantitative and qualitative research
We created a survey and gathered 285 respondents to see what they think about mobile payment, the results are:
We created a survey and gathered 285 respondents to see what they think about mobile payment, the results are:
We created a survey and gathered 285 respondents to see what they think about mobile payment, the results are:
70%
70%
70%
said mobile payment
makes purchase decision easier
said mobile payment
makes purchase decision easier
said mobile payment
makes purchase decision easier
81%
81%
81%
said mobile payment is a
helpful payment instrument
said mobile payment is a
helpful payment instrument
said mobile payment is a
helpful payment instrument
83%
83%
83%
said mobile payment
makes buying easier
said mobile payment
makes buying easier
said mobile payment
makes buying easier
But we also discovered some adverse statements related to mobile payment.
But we also discovered some adverse statements related to mobile payment.
But we also discovered some adverse statements related to mobile payment.
I often buy things that are not needed.
I often buy things that are not needed.
It is difficult to maintain budgeting commitments.
It is difficult to maintain budgeting commitments.
I have trouble managing multiple e-wallet accounts.
I have trouble managing multiple e-wallet accounts.
There are difficulties in making the right expenditure plan.
There are difficulties in making the right expenditure plan.
I do not have routine expenditure records.
I do not have routine expenditure records.
I often buy things that are not needed.
There are difficulties in making the right expenditure plan.
It is difficult to maintain budgeting commitments.
I have trouble managing multiple e-wallet accounts.
I do not have routine expenditure records.
Finding themes and How Might We framework
Finding themes and How Might We framework
Finding themes and How Might We framework
From there, we list problems from interviewees’ statements and insights and group those problem in each theme. After that we create opportunities with How Might We framework.
From there, we list problems from interviewees’ statements and insights and group those problem in each theme. After that we create opportunities with How Might We framework.
From there, we list problems from interviewees’ statements and insights and group those problem in each theme. After that we create opportunities with How Might We framework.
Finding themes
Finding themes
Finding themes
How Might We
How Might We
How Might We
Keep expenses on-track?
Keep expenses on-track?
Give information about investment to users?
Give information about investment to users?
Put users at ease when they plan their expenses?
Put users at ease when they plan their expenses?
Help users manage several e-wallet accounts?
Help users manage several e-wallet accounts?
Put users at ease when they plan their expenses?
Keep expenses on-track?
Give information about investment to users?
Help users manage several e-wallet accounts?
Value-Effort matrix
Value-Effort matrix
Value-Effort matrix
To prioritize on what problem should we answer first, we use Value Effort Matrix. The value defined with how many people felt the problems and how often the problems come. Then, the effort defined with effort to create the solution which in this case, design effort.
To prioritize on what problem should we answer first, we use Value Effort Matrix. The value defined with how many people felt the problems and how often the problems come. Then, the effort defined with effort to create the solution which in this case, design effort.
To prioritize on what problem should we answer first, we use Value Effort Matrix. The value defined with how many people felt the problems and how often the problems come. Then, the effort defined with effort to create the solution which in this case, design effort.
Card Sorting
Card Sorting
Card Sorting
At the beginning of designing alternatives phase, we use card sorting method to understand users mindset when using financial app.
At the beginning of designing alternatives phase, we use card sorting method to understand users mindset when using financial app.
At the beginning of designing alternatives phase, we use card sorting method to understand users mindset when using financial app.
Information Architecture
Information Architecture
Information Architecture
After card sorting, we were provided with adequate information to create Information Architecture.
After card sorting, we were provided with adequate information to create Information Architecture.
After card sorting, we were provided with adequate information to create Information Architecture.
Task Flow
Task Flow
Task Flow
Minimum Viable Product was created with 4 task flow which are:
Minimum Viable Product was created with 4 task flow which are:
Minimum Viable Product was created with 4 task flow which are:
Create monthly budget
Create monthly budget
Create monthly budget
Do daily transcation
Do daily transcation
Do daily transcation
Do transaction above budget
Do transaction above budget
Do transaction above budget
View and share transaction history
View and share transaction history
View and share transaction history
Crazy Eight
Crazy Eight
Crazy Eight
At the prototype phase, we use Crazy Eight method to create fresh ideas on each use case.
At the prototype phase, we use Crazy Eight method to create fresh ideas on each use case.
At the prototype phase, we use Crazy Eight method to create fresh ideas on each use case.
Features
Features
Features
01
01
01
Scan to Pay
Scan to Pay
Scan to Pay
In Scan to Pay, users can view their remaining budget sync with type of expense when conduct a transaction. Scanner also read what type of e-wallet of QR code when it scanned.
In Scan to Pay, users can view their remaining budget sync with type of expense when conduct a transaction. Scanner also read what type of e-wallet of QR code when it scanned.
In Scan to Pay, users can view their remaining budget sync with type of expense when conduct a transaction. Scanner also read what type of e-wallet of QR code when it scanned.
02
02
02
Pay with QR
Pay with QR
Pay with QR
In pay with QR Code, system shows registered user’s e-wallet or mobile banking account. When payment exceeds user’s budget, system automatically suggest to use emergency budget in case user really wanted to make the transaction.
In pay with QR Code, system shows registered user’s e-wallet or mobile banking account. When payment exceeds user’s budget, system automatically suggest to use emergency budget in case user really wanted to make the transaction.
In pay with QR Code, system shows registered user’s e-wallet or mobile banking account. When payment exceeds user’s budget, system automatically suggest to use emergency budget in case user really wanted to make the transaction.
03
03
03
Allocate Budget
Allocate Budget
Allocate Budget
Users can allocate their own budget preferences. Budget also syncronized with user’s periodic balance.
Users can allocate their own budget preferences. Budget also syncronized with user’s periodic balance.
Users can allocate their own budget preferences. Budget also syncronized with user’s periodic balance.
04
04
04
History and Share Receipt
History and Share Receipt
History and Share Receipt
Users can view transaction history on each day and quickly send receipt to friends or family
Users can view transaction history on each day and quickly send receipt to friends or family
Users can view transaction history on each day and quickly send receipt to friends or family
Evaluate design
Evaluate design
Evaluate design
We did Usability Testing and System Usability Scale to evaluate our proposed design. We also asked expert to review our design in business and product aspect.
We did Usability Testing and System Usability Scale to evaluate our proposed design. We also asked expert to review our design in business and product aspect.
We did Usability Testing and System Usability Scale to evaluate our proposed design. We also asked expert to review our design in business and product aspect.
10 Participant, 4 Scenarios
10 Participant, 4 Scenarios
10 Participant, 4 Scenarios
Lesson learned
Lesson learned
Lesson learned
When designed a financial management app, security and user’s trust is a top priority aspect. Users are going to use the app if they feel safe. Users also want the flow to be as easy, simple, and fast as possible so it will not effect their purchase process.
When designed a financial management app, security and user’s trust is a top priority aspect. Users are going to use the app if they feel safe. Users also want the flow to be as easy, simple, and fast as possible so it will not effect their purchase process.
When designed a financial management app, security and user’s trust is a top priority aspect. Users are going to use the app if they feel safe. Users also want the flow to be as easy, simple, and fast as possible so it will not effect their purchase process.
