Streamlining your spending habits with AI-powered insights.

Finly : Turning Everyday Spending into Smarter Saving

Streamlining your spending habits with AI-powered insights.

Finly : Turning Everyday Spending into Smarter Saving

Target Product

Mobile Application

Timeline

2025

My Role

UI/UX Designer

Finly is designed for young professionals—particularly Gen Z and Millennials in urban centers who want effortless expense tracking, financial goal-setting, and actionable insights. The app integrates with bank and e-wallet APIs and uses AI to automate categorization and deliver personalized advice.

Target Product

Mobile Application

Timeline

2022

My Role

UI/UX Designer
SUrvey Research

Understanding User Needs.

Understanding User Needs.

We conducted an online survey with 50 young professionals (ages 22–32) in Jakarta to validate pain points and opportunities.

Question 1 :
How do you currently track your daily expenses?

42% → Don’t track consistently.

36% → Use manual notes.

14% → Use mobile apps (manual input).

8% → Rely on memory.

Insight : Majority (78%) either don’t track or rely on manual input, which is effort-heavy and unsustainable. This shows that friction in tracking is the biggest barrier to adoption.

User Interview :
User Interview :

We Listen, They Talk.

We Listen, They Talk.

User Interview & Issue Grouping

We conducted interviews with 7 working professionals in Jakarta. Their candid feedback painted a clear picture:

Alya - Marketing Manager

“It’s tiring to manually enter every expense every day.”
“It’s tiring to manually enter every expense every day.”

Alya uses multiple e-wallets and often forgets to log small purchases like snacks or transport. She quickly loses consistency because manual tracking feels like a chore.

Alya uses multiple e-wallets and often forgets to log small purchases like snacks or transport. She quickly loses consistency because manual tracking feels like a chore.

Insight : Automate transaction tracking with AI categorization and account integration to remove friction.

Insight : Automate transaction tracking with AI categorization and account integration to remove friction.

Fidya - College Student

“I’d love an app that warns me when I’m close to overspending on coffee.”
“It’s tiring to manually enter every expense every day.”

Fidya often spends on lifestyle treats like coffee and snacks. She doesn’t want strict budgeting but appreciates soft, personalized nudges that connect with her habits.

Fidya often spends on lifestyle treats like coffee and snacks. She doesn’t want strict budgeting but appreciates soft, personalized nudges that connect with her habits.

Insight : Deliver contextual, lifestyle-based notifications powered by AI to make financial advice feel personal and motivating.

Insight : Deliver contextual, lifestyle-based notifications powered by AI to make financial advice feel personal and motivating.

Rafi - Software Engineer

“I always get shocked at how fast my money disappears by month-end.”
“I always get shocked at how fast my money disappears by month-end.”

Despite having a stable income, Rafi rarely checks his spending until the month ends. His awareness only comes when his balance runs low.

Despite having a stable income, Rafi rarely checks his spending until the month ends. His awareness only comes when his balance runs low.

Insight : Provide real-time spending summaries and alerts, helping users see patterns before it’s too late.

Insight : Provide real-time spending summaries and alerts, helping users see patterns before it’s too late.

What We Learned
What We Learned

Turning User Voices Into Design Direction

Aligning Vision with Those
Who Shapes the Business
Direction.

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 : 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 : 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 : ntroduce goal-setting features with visual progress bars, milestone celebrations, and gamified reminders. This makes saving feel rewarding and keeps users engaged over time.

Stakeholder Interview :
Stakeholder Interview :

Aligning Vision with Those

Who Shape The Business Direction.

Aligning Vision with Those
Who Shapes the Business
Direction.

To understand the strategic direction behind the certification program, we conducted interviews with several key stakeholders. Their input helped us understand the importance of IDP integration, system scalability, and the need for a role-based course experience.

To understand the strategic direction behind the certification program, we conducted interviews with several key stakeholders. Their input helped us understand the importance of IDP integration, system scalability, and the need for a role-based course experience.

Details Process
Interview with Stakeholder

We carried out three in-depth stakeholder interviews, each lasting approximately 45 minutes. Participants included HR leads, Learning & Development teams, and Technical System Owners. Discussions focused on platform vision, integration requirements, and real-world limitations from both business and technical sides.

We carried out three in-depth stakeholder interviews, each lasting approximately 45 minutes. Participants included HR leads, Learning & Development teams, and Technical System Owners. Discussions focused on platform vision, integration requirements, and real-world limitations from both business and technical sides.

Key Insight

Certification Must Align with HR IDP Structure

Stakeholders emphasized that the platform must seamlessly integrate with the Individual Development Plan (IDP) system to personalize learning paths for each mechanic and ensure alignment with internal upskilling strategies.

Stakeholders emphasized that the platform must seamlessly integrate with the Individual Development Plan (IDP) system to personalize learning paths for each mechanic and ensure alignment with internal upskilling strategies.

Supervisors Need Easier Tracking Tools

There was a strong request for better monitoring tools to help supervisors oversee course progress, assignment completion, and certification outcomes, especially for outsourced mechanics.

There was a strong request for better monitoring tools to help supervisors oversee course progress, assignment completion, and certification outcomes, especially for outsourced mechanics.

Content Library Must Be Modular for Future Expansion

Flexibility was a key concern. Stakeholders envisioned a content library that could scale, allowing for the addition of new courses, media types, and assessment formats without overhauling the system.

Flexibility was a key concern. Stakeholders envisioned a content library that could scale, allowing for the addition of new courses, media types, and assessment formats without overhauling the system.

Comparative Research
Comparative Research

Learning From Industry Benchmarks to Design a Purpose-Built Solution.

Learning From Industry Benchmarks to Design a Purpose-Built Solution.

To ground our redesign in real-world standards, we conducted a comparative study of both specialized learning management systems and mainstream online course platforms. This helped us identify feature gaps and prioritize functionality that directly supports field operations.

To ground our redesign in real-world standards, we conducted a comparative study of both specialized learning management systems and mainstream online course platforms. This helped us identify feature gaps and prioritize functionality that directly supports field operations.

User Persona :
User Persona :

Behind The System.

Behind The System.

Who is The User?

From our interviews, we distilled user insights into realistic personas that represent key roles within the certification process. These personas guided our decisions across UI design, content structure, and role-based feature logic.

From our interviews, we distilled user insights into realistic personas that represent key roles within the certification process. These personas guided our decisions across UI design, content structure, and role-based feature logic.

Wiantoro Sudjatmiko - KOMATSU Mechanic

Wiantoro - KOMATSU Mechanic

Wiantoro - Mechanic
Goals :
Goals :

Gain certifications relevant to their job, understand course requirements, complete them without friction.

Gain certifications relevant to their job, understand course requirements, complete them without friction.

Constraints
Constraints

Often confused by system navigation, forgets deadlines, lacks clear progress indicators.

Often confused by system navigation, forgets deadlines, lacks clear progress indicators.

Needs :
Needs :

Need a simple & clear system with progress tracking and deadline reminders to complete courses.

Need a simple & clear system with progress tracking and deadline reminders to complete courses.

Design Response :
Design Response :

Clear dashboard summaries, role-based course assignment via IDP, simplified exam flow.

Clear dashboard summaries, role-based course assignment via IDP, simplified exam flow.

Rifat Alifa - ADH Site Adaro

Rifat Alifa - ADH Site Adaro

Rifat Alifa - ADH Site Adaro
Goals :
Goals :

Monitor mechanic progress, assign courses for outsource staff, ensure team compliance.

Monitor mechanic progress, assign courses for outsource staff, ensure team compliance.

Constraints
Constraints

Incomplete tracking tools, slow feedback loop, lack of overview.

Incomplete tracking tools, slow feedback loop, lack of overview.

Needs :
Needs :

Need a way to track team progress, quickly assign courses, and get a clear overview to ensure compliance.

Need a way to track team progress, quickly assign courses, and get a clear overview to ensure compliance.

Design Response :
Design Response :

Dashboard with real-time progress tracking, bulk course assignment, and a summarized compliance view.

Dashboard with real-time progress tracking, bulk course assignment, and a summarized compliance view.

Hendra Darusman - Instructor

Hendra Darusman - Instructor

Hendra Darusman - Instructor
Goals :
Goals :

Review submitted tests efficiently, especially essays, give fair and fast feedback.

Review submitted tests efficiently, especially essays, give fair and fast feedback.

Constraints
Constraints

The review process is slow, especially for essays, with limited tools for structured feedback.

The review process is slow, especially for essays, with limited tools for structured feedback.

Needs :
Needs :

Tools to review tests faster, highlight key points in essays, and provide consistent & clear feedback.

Tools to review tests faster, highlight key points in essays, and provide consistent & clear feedback.

Design Response :
Design Response :

Inline review interface with answer keys, annotation tools for essays, and a dashboard showing review status.

Inline review interface with answer keys, annotation tools for essays, and a dashboard showing review status.

We Listened, We Observed,
We Listened, We Observed,

Then We Designed.

Then We Designed.

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.

One Flow
One Flow

To Match the Field.

To Match the Field.

User Flow

User Flow

We mapped the flow based on real case, not assumptions.
Each step was crafted to match how users actually work in the field, making the process simpler, faster, and more efficient.

We mapped the flow based on real case, not assumptions. Each step was crafted to match how users actually work in the field, making the process simpler, faster, and more efficient.

We mapped the flow based on real case, not assumptions. Each step was crafted to match how users actually work in the field, making the process simpler, faster, and more efficient.

Mechanic - From Course to Certificate

Mechanic - From Course to Certificate

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