Twisha's Portfolio

SpendWise

This app reimagines personal finance management for students using AI to provide tailored budgeting solutions. It features smart discount suggestions, saving nudges, and optional parental monitoring to support financial independence. The goal is to make managing money intuitive, personalized, and student-friendly.

Fin-Tech

B2C

Passion Project

SpendWise

Fin-Tech

B2C

Passion Project

Problem Statement

College students struggle to manage their finances effectively while balancing independence and parental oversight.

71% of students worry about their monthly expenses

71% of students worry about their monthly expenses

65% exceed their monthly budgets regularly

65% exceed their monthly budgets regularly

83% wish they had better spending insights

83% wish they had better spending insights

58% want to maintain privacy while sharing financial updates with parents

58% want to maintain privacy while sharing financial updates with parents

77% miss out on student discounts and deals around campus

77% miss out on student discounts and deals around campus

Competitive Analysis

Through market research and competitive analysis, I identified gaps in existing finance apps, such as limited personalization and lack of student-focused features. These insights guided the app’s unique offerings, like.

User Research

Conducted comprehensive research involving 10 one-on-one user interviews 24 survey responses

Key findings revealed that users wanted:

24/7 financial guidance

24/7 financial guidance

Personalized savings recommendations

Personalized savings recommendations

Special student discount recommendations

Special student discount recommendations

Automatic transaction categorization

Automatic transaction categorization

Visual budget tracking

Visual budget tracking

Bill payment reminders

Bill payment reminders

Shared expense managment

Shared expense managment

Investment suggestions

Investment suggestions

User Story Board

Project Goals

Simplicity First: Making financial management accessible to everyone

Simplicity First: Making financial management accessible to everyone

AI-Powered Guidance: Providing personalized financial advice

AI-Powered Guidance: Providing personalized financial advice

Actionable Insights: Converting data into practical financial advice

Actionable Insights: Converting data into practical financial advice

Smart Automation: Minimizing manual data entry

Smart Automation: Minimizing manual data entry

Information Architecture

Wireframing

Final Designs

The homepage offers a spending summary, AI-driven tips for smarter finances, and nearby deals to simplify saving.

The transaction page offers a clear and organized log of all student expenses, categorized for easy tracking. It includes features like search and filters.

AI-generated insights to highlight spending trends and irregularities. This design ensures students can quickly review their financial activity and stay on top of their budgets.

The app features "Penny," an AI assistant for real-time chats. It provides personalized insights, answers finance-related queries, and helps users stay on top of their budget. This interactive feature ensures students have instant, friendly support for managing their finances.

Add transactions manually or save time by scanning receipts. With AI-powered recognition, receipts are automatically logged, simplifying the process. This feature caters especially to busy or lazy students, making financial tracking effortless.

The Budget Page helps students track their spending across categories, ensuring they stay on budget. It visually indicates whether users are on track or exceeding limits, promoting mindful spending. This feature simplifies financial awareness by providing real-time insights into spending habits.

Testing The Prototype

After designing the app, I conducted user testing with a group of students to evaluate its usability and effectiveness. Participants explored features like the Budget Page and AI-driven suggestions, providing valuable feedback on clarity and functionality. During user testing, students expressed enthusiasm about the app’s tailored features, particularly the Budget Page, which they found highly intuitive and practical for tracking expenses. They appreciated the real-time insights and clear visual indicators, making it easy to identify overspending in specific categories.

My Learnings

Through this project we realised that regular user testing revealed critical insights, reminding us that a successful design evolves through continuous feedback and iteration.

Through this project we realised that regular user testing revealed critical insights, reminding us that a successful design evolves through continuous feedback and iteration.

Our design philosophy evolved from merely presenting data to creating a compassionate, personalized experience that demystifies financial complexity.

Our design philosophy evolved from merely presenting data to creating a compassionate, personalized experience that demystifies financial complexity.

The key breakthrough was understanding that users don't just want numbers—they seek guidance, reassurance, and a sense of control over their financial narrative.

The key breakthrough was understanding that users don't just want numbers—they seek guidance, reassurance, and a sense of control over their financial narrative.

Our design prioritized transparency, emotional support, and adaptive learning, ensuring that every interaction feels like a conversation with a knowledgeable, supportive friend rather than a cold, transactional tool.

Our design prioritized transparency, emotional support, and adaptive learning, ensuring that every interaction feels like a conversation with a knowledgeable, supportive friend rather than a cold, transactional tool.

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And that's a wrap….