Smart Spending Insights

The Problem

Many users struggle to understand where their money is going each month, especially with recurring payments, rising monthly costs, and fragmented spending habits. While most banking apps display transaction history clearly, they often lack meaningful insights that help users identify patterns, monitor financial commitments, or stay on track with personal budgets.

The Goal

Design a smart financial insights experience that helps users:

• Better understand spending behaviour
• Monitor recurring payments
• Stay aware of budget goals
• Receive proactive financial guidance

While maintaining a calm, trustworthy, and easy-to-navigate banking experience.

Design Approach

Final Solution

The solution spans four key screens, each addressing a specific user need in the financial awareness journey.

Screen 1: Home Dashboard

The home dashboard introduces financial insights naturally within the existing banking experience, allowing users to quickly access spending summaries, recent activity, and proactive financial guidance.

• Key financial information was prioritised to give users quick visibility into their balance, cards, and activity.
• Transactions were designed to feel lightweight and easy to scan for faster financial awareness.
• Smart Insights surface meaningful spending patterns without requiring users to manually analyse transactions.

Screen 2: Spending Overview

The spending overview helps users quickly understand where their money is going through category breakdowns, monthly comparisons, and card-level filtering.

• Monthly summaries help users quickly understand spending trends and compare financial activity over time.
• Category breakdowns were designed to make high-spend areas easier to identify at a glance.
• Lightweight budgeting tools give users greater control over how they track spending.

Screen 3: Recurring Payments

Recurring payments are grouped into clear categories, helping users better understand ongoing financial commitments, upcoming renewals, and changes in recurring spending behaviour.

• The summary help users better understand ongoing monthly financial commitments.
• Recurring payments were grouped into clear categories to improve visibility and reduce financial clutter.
• Proactive alerts surface payment changes, renewals, and potential savings opportunities without overwhelming the experience.

Screen 4: Budget and Alerts

Budget tracking and smart alerts provide proactive financial guidance, helping users stay aware of spending limits, unusual payment activity, and recurring payment changes without creating unnecessary friction or anxiety.

• Proactive alerts notify users when spending patterns begin approaching or exceeding budget goals.
• Lightweight recommendations encourage better financial awareness through supportive and actionable guidance.
• Budget tracking was designed to help users stay aware of spending habits without adding unnecessary complexity.

Key Design Decisions

Outcome

This project focused on designing a more proactive financial experience, shifting from passive data display to meaningful behavioural insights. The concept also strengthened my approach to fintech UX, particularly around information hierarchy, behavioural insights, and designing for trust within data-heavy interfaces.