YourShare

Share the costs,

without creating IOU's

People often share costs with others when they are out socialising, but no current way exists for people to split costs without first creating informal debt.

Why design it?

My Hypothesis

Gaps currently exist in allowing people to split a cost for certain purchases or bills without creating informal debt and having to "figure out" the cost per person after the fact. An app which allows groups to evenly and simply split finances so that no single perso's bank account is relied on would be beneficial.

My workflow

A snapshot of my design process.

Empathise

Surveys

First I surveyed 20 people who currently split costs with others.

User Interviews

I then conducted interviews with 5 people who fit the target audience. After interviews it became clear that insights could be grouped into 5 different categories.

I found the follow insights:

Feelings

People won't follow up small amounts due to a feeling of awkwardness

Behaviours

People are watching what they spend more due to the financial climate

Payment

People prefer to pay with a form of contactless payment

Location

People often split costs at restaurants, cafes, and bars

Process

IOU's are only followed up if they are small in amount

Define

Personas

Through development of my Personas, Aanya and Cristofer, I was able to clearly identify that gaps exist in informal debt management, and that my app would need to make sharing funds as seemless as possible to help users stray away from awkward conversations about finances.

See Personas

See User Flow

Ideation

Sorting & Sketching

Once I had decided on the general architecture, through creating my site map, I moved onto sketching out ideas for my main user flows. I faced trouble when decided how to create the home screen as I had a generous amount white space to use.

Version 1

Version 2

Version 3

Testing

Identifying Problems in the Design

I held the testing by screen sharing and allowing access so that we could both see the prototype - making the process a little more seamless.

I kept the conversation casual and asked my users to go through my major flows:

Signing up
Creating a card
Topping up a card

Results

6/6 users

Couldn't see who they had added to a card

3/6 users

Didn't know how to add a card

2/6 users

Didn't know how to name a card

4/6 users

Couldn't add a top up amount to a card

6/6 users

Couldn't use the pay now button

Evaluate

Main Takeaway

After all my tests were completed I took some time to step back, listen to the results and start to categorise errors . My main take away from testing was that my attempt in keeping things simple had resulted in confusion on what to do with the home screen.

UI Design

The Finished Product

1. First Time User Experience

Creating an account can be done through email, or through social link such as Google or Apple accounts.
Users are able to input their fingerprint for a faster, and also more secure log in to their account.

2. Creating a Card

Creating a group card is as easy as inviting other group members via email link or by copying a link to send to them.

3. Adding Funds to a Card

Adding funds to a card is done by payment with a user's own debit/credit card. Users can request other group members to top up the card with same amount.

4. Financial Insights

Creating a group card is as easy as inviting other group members via email link or by copying a link to send to them.

Lessons Learnt

The lesson I learnt was to get too caught up on one idea and test early and often. This was especially true with my home screen as after testing.

In the future I would like to to work on what the mechanism linking the card with Google or Apple pay may look like.