3×
increase in
monthly transactions
My Responsibilities
Research & Discovery
UX/UI
Design System
User Testing
Timeline
Jan 2024 -
Jan 2025
(1 year)
Team Members
Varun Murkar
Design Lead
Akanksha Mategaonkar
Product Designer
Studio
HumanX
Platform
Mobile App
Overview ✨
BHIM (Bharat Interface for Money) is India’s official UPI-based mobile payment application, enabling instant & secure bank-to-bank transfers. Introduced to promote financial inclusion & accelerate the country’s move toward cashless payments, BHIM is a product built for every Indian – from daily wage earners in Tier 3 towns to professionals in metro cities. However, despite being a government-backed platform, BHIM struggled to compete with private players like Google Pay, PhonePe & Paytm in terms of adoption, engagement & user experience.
We partnered with BHIM to reimagine the product experience – transforming it from a purely functional government app into a seamless, engaging & inclusive digital payment companion for the next billion users.
How might we empower every Indian to seamlessly adopt BHIM for all daily financial needs?
Opportunity Areas 🎯
How might we make digital payments accessible to minors while also teaching them good financial habits?
How might we make users’ spending more informed and intentional?
How might we bring traditional cash gifting behaviors into the digital space?
How might we enable easy management of shared expenses?
Design Principles ✨
Key Interventions ⚡️
Smart Jars 💰
User Group: We focussed on minors without a bank account between the age of 12-17 to understand their spending and saving behaviour
How might we make digital payments accessible to minors while also teaching them good financial habits?
Pain Points:
1. No formal bank account - Limited access to standard financial tools or debit card
2. Inconsistent Allowances: Hard to plan or save when money comes irregularly or in small amounts.
3. Impulsive Spending: Struggle to control desire for instant gratification.
4. Lack of Tailored Guidance: Existing finance apps are too adult-focused, boring, or complicated.
User Surveys and Interviews 📊
🎤 “Do you keep a track of how much you spend?”
💬 "I rarely do"
🎤 “Do you keep a track of how much you spend?”
💬 "I rarely do"
🎤 “Do you keep a track of how much you spend?”
💬 "I rarely do"
Key Insights
1. A majority of users (63.6%) do not actively track their expenses, leading to low visibility into their spending habits.
Despite not tracking, users express a clear desire to better understand their spending patterns and build stronger
saving habits.
Features ⭐️
Effortlessly save for your goals with Smart Jar's automated savings feature ⚡️
Spends Analysis 📊
How might we make users’ spending more informed and intentional?
Features ⭐️
Monthly Recap
To drive engagement and show real time insights 💡
