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Case studiesCase template · Banking App
Banking AppBanking · Digital product
Notifications at 9:00 AM: not enough on a card for this week, a trial ending in 3 days, a renewal, a service not opened in 63 days, a price going up, 4 charges tomorrow and Spending 37% over its budget pace
What needs attention today
Insights: two gyms at once, paying for YouTube Music twice and a service not opened in 63 days, each with what it saves a month, a Cancel button and Not now
A cost worth reviewing
Total balance, From Oracul: put aside $2,834 a month for the new car with Add $2,834, 14 months of spending within reach, and how $200 more a month ends the auto loan sooner
A next step toward a goal

Services

  • Product design
  • UX/UI design
  • Frontend development

Tools

  • Jobs to be done
  • Personas
  • Market research
  • Competitor analysis
  • App Store review analysis
  • User flows
  • Information architecture

Technology stack

  • React
  • TypeScript
  • Vite
  • Tailwind CSS
  • shadcn/ui
  • Base UI
  • Recharts
  • Tesseract.js

Banking · Digital product

Banking App

A banking app concept that helps people understand what their money is doing and decide what to do next. Its assistant, Oracul, brings unusual spending, repeat charges and upcoming commitments to the surface, with an explanation and an action.

Why this product

A balance tells you what is left, but it does not explain what changed or which decision needs your attention. We set out to make everyday money management less dependent on reading reports, remembering renewal dates and calculating the consequences yourself.

Our product decisions

We made noticing, explaining and acting one sequence. Oracul names the pattern, shows the amounts behind it and opens the relevant next step. The person can inspect the evidence, act or leave it for later.

We separated decisions that need attention now from planning ahead. Renewals and duplicate charges have deadlines; budgets compare intention with actual spending; What if shows how a proposed change affects the current plan before any money moves.

Our contribution

We defined the product logic, designed the mobile interface and built the frontend. Alongside the original concept, we reviewed 4,000 App Store reviews across eight US banking and payment apps and compared twelve money products. That work helped connect everyday frustrations to concrete interface decisions, from understanding recurring costs to copying card details.

Insights: 7 insights could save $3,458 a month, the month's forecast, the year, then Is this purchase yours? and Spending 37% over its budget pace
Patterns and their estimated effect
Insights: Go easy on Saturday drinks, $1,333 at The Bungalow on 4 Saturdays, more than sport this month, half as much keeps $722 a month, with Remind me on Saturdays; below it Lifestyle over its budget pace and two gyms
Four Saturdays, projected over a month

01 / Notice

Turn a spending pattern into a decision.

A category total leaves the interpretation to the person. Oracul instead points to a specific pattern: four Saturdays at one bar, its cost and what spending less could leave for other priorities. The numbers sit beside the suggestion so the person can judge it.

The screenshot uses sample transactions: $1,333 over four Saturdays. The $722 monthly estimate takes half the average Saturday spend and projects it across an average month. Showing the source transactions keeps that estimate open to review.

Transaction, at the warning: The bank can't name this vendor, then Something wrong? with I didn't make this purchase selected, Report issue and Ask support about this
Review the purchase before reporting
Transfer between accounts already filled in: from the primary account to the New car goal, $2,834.00
Review a prefilled transfer

02 / Act

Keep the next step attached to the reason.

An explanation is more useful when it leads somewhere specific. Checking an unfamiliar purchase opens that transaction and its reporting options. A suggestion to save for a car opens a transfer with the destination and amount already filled in.

We kept the decision with the person: review the details and confirm the action. The app carries the context forward instead of making them remember a sum and find the right screen again.

Needs attention: 8 things need a decision, closest deadline first: paying for YouTube Music twice, a card update, a low balance, each with the sum, one main action and Got it
Decisions ordered by deadline
Cancel subscription sheet for YouTube Music: access until Nov 23, what you lose, you save $131.88 a year, Pause instead and Cancel subscription
The consequences of cancelling
Digital tab next to Physical Goods and Memberships: Productivity subscriptions, each with price, next charge and card, one flagged Low balance
Recurring costs by type

03 / Recurring costs

Make the choice before the next charge.

A subscription list alone does not tell you what needs doing. Needs attention brings forward duplicate payments, trials ending, price changes and payment problems, ordered by the nearest deadline.

Before cancellation, the interface shows the cost, remaining access and what would be lost. Digital services, deliveries and memberships stay in separate groups, while the decision follows the same clear pattern.

Oracul tab at Expectation vs reality: the monthly budget and forecast, paired bars for each category with overspending in red, and the Family budget; category tiles above
Expectation vs reality
Analytics for one category, under its chart: where the money went, and the empty note Why didn't it fit this month?
Why it didn't fit
Limits: Gifts at $1,245 a week, $1,617 spent, over by $372 this week; below it Oracul suggests limits for Home goods, Etsy, Target, Bars, Beauty and Amazon, each with how often and how much in 30 days
Limits

04 / Learn

Compare the plan with what actually happened.

We put the budget and actual spending side by side for each category. This makes the difference visible without asking the person to compare two reports.

A note keeps the reason for an unusual month, while weekly or monthly limits give repeated spending a smaller boundary. Together they support a practical review: what changed, why it changed and what to adjust next.

What if: a big purchase of $15,000 this month, the warning that the primary account would go $12,849 short, then the balance, the budget left and the net a month, before and after
A purchase against the current plan
Goals with progress rings: Home down payment behind, Apartment renovation at risk, New car on track; below them What if and mandatory payments
Progress on existing sample goals

05 / Plan ahead

See the trade-off before committing.

What if lets the person try a purchase, a loan, a new subscription or an income change against the sample finances. It puts the before and after side by side and calls out a shortfall before the person proceeds.

A scenario can be saved as a goal with a monthly contribution. The separate goals view shows progress on existing sample goals. The purpose is to make a choice easier to examine, without presenting a projection as a promise.

The result

From a balance to a considered next step.

The result brings noticing a problem, understanding it and taking action into one experience. Explore the insights, budgets, recurring payments and planning scenarios with sample data. Amounts vary with the date; banks, payment services and support teams are not connected.

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