Flow - Credit trap shift

Designing financial shifts through behaviour

Client

Master's course work - Complex Systems unit

Role

Researcher | UX Designer | Product Owner

Duration

3 months (2025)

Challenge

Young adults want to save and invest, but research showed that traditional banking tools rely too heavily on self-control and financial knowledge. The challenge was to design a system that works with existing behaviours rather than against them, using spending moments as natural triggers for saving.

Approach

Conducted qualitative user interviews to uncover saving behaviours and pain points.

Synthesised insights into system maps and behavioural journeys

Identified key moments where spending decisions occur.

Designed behavioural triggers to automate saving actions.

Iterated concepts through prototyping and user validation.

Solution

Drive introduces a behavioural banking feature that automatically matches discretionary spending into a dedicated wealth space. By embedding automation, social visibility, and goal-based saving into everyday transactions.