a digital challenger bank designed to help users create intentional online shopping habits
project overview
end to end UX design, UI design, user research, wireframing, prototyping & usability testing
educational • no constraints
7 months • March '21 - August '21
project toolkit
Adobe XD, Miro, Optimal Sort, Usability Hub & Notion
project introduction

apparently, materialistic items can't buy true happiness, so why is it so hard to not spend?

brands make it their job to make not spending hard

my 6 years of experience in fast-moving-consumer good brands to create more products taught me that companies will fight ruthlessly for a proportion of our hard-earned salary, perpetuating the belief that acquiring their product will make you happier. the rise of e-retail has made it even harder to turn away.

but there appear to be users who are trying to fight back

look on pinterest or youtube, the trend of minimalism is here to stay, especially for millennials and even Gen Z. we're now interested to build better habits with what we spend their money on, moving away from materialism.
clippings from various articles and content found on pinterest and a google search of "how to shop more intentionally"

how might we help users be more intentional with their online purchases in a non-restrictive way?


an e-wallet product that gives users the ability to apply conscious purchase consideration at moments around the point of purchase will help users feel greater content with their possessions

competitor review

there is a white space to fill in the digital banking or e-wallet domain

I assumed that there must be challenger banks or finance products offering features to respond to this need

I conducted a focused competitor analysis on up & coming, challenge mentality mobile-banking productswith their rate of innovation - I presumed they would be in the best place to some what operate in the space of "mindful spending"

I was disappointed. their focuses are to help users spend less or save more but not necessarily have less

no competitors offered such "conscious spending" or "mindful" features

on the bright side, it signalled that we were entering untouched territories

user research

reaching out to users allowed us to explore this opportunity more intimately

I conducted user research consisting of two parts to learn about the spending behaviours of users and what things they may look for in purchase considerations

user surveys: gathering initial insights

I recruited millennials who have shopped online within the past 12 months.

user surveys impacted the recruitment criteria of user interviews: we could learn a lot from users who are already "intentional" shoppers

overall, we spoke with the right audience. however, a small proportion of users shared responses that indicated they could already be "intentional".

recruiting such users for interviews could help us understand their attitudes and behaviours when it comes to online purchases, transforming their insights to build features based on real life practices

user interviews: an opportunity to dig those insights further

I invited 4 participants from the user surveys to be interviewed

2 x 'target' profiles: frequent online shopping habits, often exhibits high purchase regret, motivated by discount codes, targeted by adverts and content

2 x "intentional" profiles: infrequent online shopping habits, rarely exhibits purchase regret, motivated to shop by "well-thought through" needs only

top 5 key user interview insights + considerations

insight 1

target users know they should be more cautious when shopping, but they find it a highly enjoyable and positive experience

consideration 1

how can we design features that won't 'kill off' the general positive experience of shopping

insight 2

intentional users apply a long phase purchase consideration, target users find it difficult to frequently do this

consideration 2

we could help users apply a phase of consideration, like how our intentional users already do

insight 3

to users, creating another account means another product manage - this can feel annoying to them

consideration 3

look into open-banking, to give users access and management to all their accounts in one place

insight 4

users have dedicated bank accounts allocated to personal spending as a process of setting budget for expenditure

consideration 4

a pre-paid debit card could accompany Intently

insight 5

users get frustrated on regretful purchases more than impulse purchases. they don't always lead to regretful purchases

consideration 5

how can we design the features that won't 'kill off' the general positive experience of shopping
examples of questions that participants wish they could've asked themselves when they start to notice a regretful purchase
user persona

synthesising our learnings to create our persona: Esther

Esther was used throughout the project to keep in mind who we were serving and how features could be further tailored to her, especially when considering what design patterns she may already be familiar with

user research helped reframe our initial assumption about the problem - it's not about the money.

before starting the research we had naively assumed that target users would have equal frustration regarding the impact on their personal finances and level of fulfilment of their possessions when it came to "unintentional" shopping.

I was proven wrong, the users I spoke to had great measures such as budgets, savings accounts and investments in place. they identified with feeling in control with their personal finances.

problem statement was revised: removing any focus on spending intentionally for improving personal finances

problem statement: assumption

our users need an approachable & informative way to view and manage their money and purchases, because they desire to feel more in control of their finances and what they possess

problem statement: after

our users need a non-restrictive way to be more intentional with their purchases, because they often feel frustrating regret from not applying sufficient consideration

research insights shaped the features intently should offer

touch points


e-wallet application

pre-paid card


360° views of spending - of all your accounts
open banking connects all bank accounts in one place

send, receive and move money
and all the money features you would expect

conscious spending: impulse reflection
ask the future you, whether you "really need that" before you authenticate a potential impulse transaction

conscious spending: undo purchase
apply reconsideration windows for purchases you might frequently  "instantly regret" for a second chance

defining the information architecture - make it feel "familiar" to users

the following thought informed my design strategy:

there is no precedent to the conscious spending features of intently, to not impact adoption, the standard e-wallet functionalities should feel as logical and intuitive to users as possible
I took inspiration from competitor products such as Yolt, Money Dashboard & Starling regarding:

initial site map vs. refined site map w/ card sorting

I also took the opportunity to refine the site map by conducting an open card sort with 8 participants via optimal workshop.

whilst it helped inform minor amendments regarding groupings and category headings, looking back, this exercise was not as insightful as putting the high-fidelity prototype in front of users for feedback.

create quick task flows of features with no pre-existing design patterns

conscious spending features

before wireframing, I defined the parameters and settings that would trigger and activate the use of the conscious spending features. I started with a brain storm before proceeding to sketching out the task flows

I felt this was required and useful vs. other features of intently, as there aren't any existing competitor products I could learn from

prototyping intently through low, medium and high fidelities

learning: more detailed low-fid designs are OK!

'real' copy vs. placeholder copy was used to visualise screens and intended flow. whilst more time was consumed at a stage which should typically be rapid, it sped up the medium to high fidelity stages of development, allowing focus on interaction, also an important aspect of the user experience.

time expended felt justified as there are no existing or defined designed patterns to the key features we were exploring.

creating the right key moments to address the problem statement: "non-restrictive"

conscious spending feature: impulse reflection


how might we encourage Esther to think carefully about the intentions of her purchase without coming across as "restrictive", when it's likely we'll catch her during an adrenaline rush


looking back at our user persona, Esther regards the shopping experience as positive. intently's feature should try to preserve those emotions, especially if it's truly intentional purchase, but also without making her feel guilty

potential solution

deliver the approval request to Esther in a way that feels familiar to a feature of a frequently used app of hers: Instagram stories

features that rely heavily on data input for success

like intently's sign up and set up of conscious spending features


how can we design the extensive account & feature set up aspects of intently to be easy and approachable to  motivate completion


the success of intently relies on user inputs. without the user's perseverance to set up the features, the app would not function

potential solution

informed by direct & indirect competitor references, utilise progressive disclosure, progress indicators and rely on recognition vs. recall where possible
usability testing

challenging the prototype with real world users through testing

by observing users interacting with the intently prototype and completing tasks, we could reveal areas of confusion and uncover opportunities to improve the overall user experience

I wanted to understand if the proposition was understandable and whether the navigation of key features were clear, efficient and easy

usability test plan highlights

to see the full usability test plan document: click here

what did we ask participants to do?


"you've downloaded the app and you'd like to sign up"
sign up and add an bank account to intently


"you often discover old products you should use up first after you make online beauty purchases"
set up an "undo purchase"


"you bought face masks from lookfantastic, but you remembered you had some already"
search & undo this purchase


"your intently pre-paid card credit is running low"
top it up with £20 from your lloyds bank account


"you're someone that makes regretful purchases in fast-fashion"
set up an "impulse reflection "


"you've made an order on prettylittlething, intently will ask you to authorise it because of task 05
authorise this purchase
for the full usability test script document: click here
usability testing

data consolidation and drawing the key learnings for refinement

after re-watching 6 hours of precious recording from the testing sessions, I collated all the useful nuggets of insights from my users into a rainbow spreadsheet - consisting of observations, positive quotes, negative quotes and errors


refining intently with informed next steps

learning 1: users did not understand the never seen before features

confusing navigation made it harder for users to feel confident finding them


users got stuck and lost when trying to find the success path of setting up and using intently's "conscious spending features"


all participants described the (+) button as misleading - it indicated an "add" functionality vs. performing actions. users are also required to be educated on those features


revise copy of "conscious spending features",  and introduce features in greater detail at onboarding. reconfigure the navigation of the application to get rid of the (+) button

learning 2: the success path to 'undo a purchase' was far from intuitive

the prototype's designed success path was not what users expected to do


when participants tried to undo a purchase, they got stuck and were not able to achieve the task


all users' intuition was to navigate to transactions, expecting to see an 'undoable' purchase to appear like a pending transaction


develop transaction screens further in the prototype so that we provide this natural success path to our users

learning 2: same style screens when setting up an impulse reflection reference looked indifferent to users and led them to get stuck

when creating personal prompts: users did not know they were deeper in the task flow


users did not know how to continue task after creating personalised prompts


this was because of similar layouts, therefore users were not well informed visually that they were required to go back


merge both steps of pre-selected prompts and personalised prompts in one screen/window
user interface

designing the visual system appropriately


what should the ui design style be for a mobile-banking app positioned to help users be more "mindful" with their online purchases - this is a unique area


we require a banking interface to be delightful, that can help users create habits to be more intentional


conduct competitor reviews of apps operating in (1) mobile banking and (2) mindfulness to understand the design cues, to inform the ui style of intently

mindfulness / wellness applications

applications shown: flipd, headspace & shine

mobile banking applications

applications shown: Lloyds, Starling, Revolut, Curve & Starling

outcome: blend selected characteristics from both territories into Intently

final solution


for the full intently style guide: click here

key features

based on user research, below are some of the experiences I feel would be important to our persona. further research and testing would likely uncover more use cases

impulse reflection feature

once the feature is set up for a specified type of transaction e.g. clothing, the user will be prompted to authenticate online orders that matches the defined preferences in the future

they will be taken through a cycle of self-reflection prompts. some are pre-selected depending on the type of merchant - but the user also has an opportunity to define their own prompts, for a more personalised experience

impulse reflection feature set up
impulse reflection feature in use

undo purchase

giving users a second chance to "retract" their online orders, an experience similar to gmail's "undo send" whereby the email is never really sent to the recipient until after the cancellation period

similarly through intently, online orders are pending until after the cancellation window, only after this window are orders received by merchants

in the flow shown below, LookFantastic was doing 20% off offer on Esther's favourite skincare brand, she hastily made an order but soon after realised that there are products she has that should be used up first. so she uses intently to cancel the pending transaction

undo purchase feature set up
undo purchase feature in use

send, receive & move money in one place

as one application, intently provides the user with capability to forget about the other mobile banking apps they own through 360° views of their spending through open-banking

send money
top up intently prepaid card

interactive prototype


closing & retrospective thoughts

other projects
introduction competitor reviewuser researchideationusability testingrefinementUIfinal solutionclosing