Finly is a digital banking app designed for the modern generation who want more than just basic banking. Most banking apps stop at showing balances and transaction histories, but Finly goes further by combining everyday banking, financial tracking, and AI-powered insights into one seamless experience.
Instead of forcing users to manually manage their money, Finly automates repetitive tasks—like categorizing transactions or reminding users about spending patterns, while also acting as a financial coach that provides context and motivation. Whether it’s paying bills, transferring money, or saving for a personal goal, Finly ensures users don’t just move money around, but actually understand and grow it.
User Interview & Issue Grouping
We conducted interviews with 10 people from different backgrounds in Jakarta. After gathering their stories, we mapped out the main issues they face with financial apps, the frustrations that keep coming up again and again.
Alya - Marketing Manager
Fidya - College Student
Rafi - Software Engineer
Through user interviews, we uncovered recurring pain points that revealed not just what people struggle with, but why they struggle. These findings became the foundation for design decisions.
Reduce Friction in Tracking
Problem : Users feel exhausted when required to log every transaction manually. This leads to inconsistent usage and eventual abandonment of the app.
Design Response : Add an image reader feature and apply AI-based categorization to automatically sort expenses. Users only need minimal confirmation, reducing effort while maintaining records.
Add Context Beyond Numbers
Problem : Current solutions mostly present raw numbers without interpretation. Users struggle to understand why their money runs out or how they can improve.
Design Response : Provide weekly insights and digestible explanations that highlight spending patterns and trends. Contextual tips turn raw data into actionable advice.
Improve Motivation to Save
Problem : Even with awareness, users often fail to stay committed to saving goals. Traditional trackers lack features that motivate long-term consistency.
Design Response : Introduce goal-setting features with visual progress bars, milestone celebrations, and gamified reminders. This makes saving feel rewarding and keeps users engaged over time.
I looked into popular digital banking apps in Indonesia, Jago, Jenius, blu by BCA, Livin, and SeaBank. Most of them are great at basic banking: payments, transfers, and savings. Some offer budgeting tools like pockets or saving plans, but almost none give meaningful insights or proactive reminders.
Who is The User?
After understanding the problem deeply, we moved into the solution space. This is the phase where ideas started to take shape through brainstorming and mapping. Every pain point we found now had the chance to be solved.
Inter.
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Semibold
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Medium
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Regular
12px, 14px, 16px
We chose Inter because it was designed for digital interfaces from the ground up. Its clean geometry and generous spacing make long reading sessions easier on the eyes, while its versatility across weights keeps the UI structured yet approachable.
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