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.
Results
Increased consistency in saving behaviour
Faster goal progress visibility
Higher engagement with savings tools
Improved financial confidence among users