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CONTENTS

Overview

Problem

Research

Solution Design

UT Result & Iteration

Saku Pintar

Enhancing Financial Inclusion

Saku Pintar

Enhancing Financial Inclusion

Revolutionizes personal finance management with AI

overview

My Role

PIC Designer — Feature Scoping, Research, Experience Design, Visual Design

Team

The team consisted of 1 Designers, 1 Product Owner, 1 AI Engineer, and 1 Software Engineer

Overview

Saku Pintar aims to revolutionize personal finance management in Indonesia through AI and integration with financial service providers. It focuses on how AI and ML can expand digital financial literacy and inclusion.

PROblem

Low Financial Literacy in Indonesia Limits Financial Inclusion and Economic Growth

Low financial literacy in Indonesian society causes significant problems in financial inclusion and economic participation. Low understanding of financial products makes many people reluctant or unable to access banking services, increasing dependence on informal loans with high interest rates. This hampers access to capital and investment, limits community participation in the formal economy, and slows inclusive and sustainable economic growth.

Research

Designing the Right Things

Ensure that the problems we face are real. To achieve this, it is crucial to empathize with our users and understand their true needs and pain points. Conduct in-depth research using the User Interview method, engaging with several individuals who represent our target personas and have relevant problem backgrounds. By doing so, we can immerse ourselves in their experiences, gaining valuable insights into their challenges and motivations. This empathetic approach allows us to identify genuine Opportunity Areas for solving their problems effectively.

Emphatize

Research Objective

Objective 1

Objective 1

Identifying primary factors that cause low financial literacy

Objective 2

Objective 2

Understand how the current level of financial literacy impacts access to financial services and other financial products

Objective 3

Objective 3

Exploring the consequences of low financial literacy on economic participation and Indonesia's economic development

research result

Demographic Background

Age

Work

Location of Residence

Financial Literacy Level

Age :
20-30 years

Work :

Students, Fresh Grad, Workers

Location of Residence :

Urban and Regency

Financial Literacy Level :

Low - Medium

: 20-30 years

: Students, Fresh Grad, Workers

: Urban and Regency

: Low - Medium

Needs

Requires access to structured and accessible financial education, suited to individual needs

Need financial management media that makes it easy to track expenses, create budgets, and manage financial strategies.

Need personalized financial advice based on personal financial situation and goals.

Goals

Want to manage more effectively and disciplined

Want to have financial goals that can be achieved in the long term or short term

Want to have a sense of security by being able to manage and manage your finances well

Paint Point

Difficulty in managing financial risks

Don't know how to make a financial plan

Difficulty making sound financial decisions

Not knowing various kinds of financial products

Difficulty raising emergency funds

Difficulty in debt management

Difficulty in identifying financial fraud

Insight

4 out of 5 people choose to access information about management and financial risks from social media such as TikTok, Instagram and YouTube

3 out of 5 people never have specific intentions by deliberately looking for information about financial management, financial products and financial planning

5 out of 5 people carry out financial planning with personal exploration every month and adjust the plan based on lifestyle and monthly expenses

2 out of 5 people have no financial plans and goals

5 out of 5 people have concerns about losing their job, difficulty managing impulsive spending, and limitations in managing a budget from limited sources of income.

3 out of 5 people are disciplined in recording expenses and using applications or platforms such as Notion, Excel, or other financial applications.

opportunity area

Providing a platform for more structured and accessible financial education that explains various budgeting methods that can be tailored to individual needs.

Provides a platform for financial management that can help users record expenses, create budgets, and provide analysis to support financial decisions.

Provides a budgeting platform that can help track expenses in real-time and provide alerts when budget limits are approaching.

Providing a platform to help find and explore opportunities to create multiple income streams, such as investing in gold or other long-term investment instruments.

Providing a platform for education about the various financial products and services available so that you can plan your future well by using the benefits of financial services and products.

Solution Design

Designing Things Right

Make sure the resulting solution not only solves the identified problem but also focuses on user needs. Ensure the final product is not only technically functional but also easy to use and provides a positive experience for users.

Financial Consultation

Enables users to discuss and plan their finances with the help of chat templates, ensuring targeted and relevant guidance for better financial decisions.

Measuring Financial Literacy Level

Helps users evaluate their understanding of finance and its impact on future finances, providing better insight into their financial management strengths and weaknesses.

Financial Planning

Helps users set specific short-term and long-term financial goals, enabling more structured and measurable financial planning.

Financial Recording (Auto and Manual)

Simplifies transaction recording, both automatically and manually, ensuring users maintain accurate and organized financial records.

Monthly Financial Health Report and Insight

This feature offers monthly expense and income reports along with recommendations, helping users identify areas for improvement and make smarter financial planning decisions.

App Core

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Measuring Users' Financial Literacy Levels

Understanding user's financial knowledge is essential for creating products and services that effectively meet their needs. By assessing their financial literacy, we can tailor offerings, identify areas for user financial knowledge improvement, and help user to mitigate their financial risks.

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Measuring Users' Financial Health Conditions

Our financial health assessment tool is designed to provide users with a comprehensive understanding of their financial status, helping them aware with their financial well-being.

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Homepage Navigation

These four menus are presented as core navigation options because they represent the fundamental pillars of financial management. They cater to different user needs and stages of financial planning.

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Meowney, The AI Finansial Advisor

An AI financial advisor simplifies financial literacy by giving personalized, accessible advice and constant support, helping users grasp complex concepts and make better financial decisions

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Record User Expenses Automatically and Manually

Our expense recording feature is designed to provide users with a thorough and accurate view of their spending habits, both through automatic and manual entries. By combining these two methods, users gain greater control and visibility over their expenses, allowing them to make more informed financial decisions and enhance their overall financial management

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Financial Goals Plan

Our financial goal planning feature helps users set and achieve their objectives by integrating with expense tracking. With AI-driven advice and real-time insights, users can optimize their strategies and stay on track to improve their financial health

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Financial Goals Plan

Our detailed financial report feature, integrated with expense tracking and goal planning, provides users with in-depth insights into their financial performance. This comprehensive view helps users monitor their progress, evaluate their spending patterns, and make informed adjustments to achieve their financial goals

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SakuPintar Prototype

This design prototype of Sakupintar is used to test and evaluate its design, functionality, and features before full-scale development. It helps refine and validate our concepts, ensuring they meet user needs and performance standards.

Try SakuPintar Prototype

UT Result & Iteration

Elevating Experience with Testing and Iteration

Harmonizing Design and Interaction A Deep Dive into Crafting UI Look and Feel

Ensure the solution effectively addresses the identified problem while prioritizing user needs. The final product should not only be technically sound but also deliver a seamless, intuitive experience that meets user expectations and enhances overall satisfaction.

User Testing Result

Concept Testing

Can users understand the purpose and function of the application?  

3 out of 3 users were able to understand the purpose and function of the application after trying the design prototype. The explanation and information on the homepage is considered sufficient to understand the concept and purpose of the application.

Task Success Rate

Can users successfully upload expense receipts?

3 out of 3 users can easily find and successfully try to use the feature to upload expense receipts.

Can users successfully enter the Homepage without confusion?

3 out of 3 users can enter the homepage without confusion. The navigation structure is considered logical and easy to follow.

Findability

Can users find the chatbot entry point easily?

3 out of 3 users were able to find the chatbot entrypoint without difficulty. Users think that the entry point is very clear on the Homepage.

Can users find the expense receipt upload function easily?

3 out of 3 users can easily find the expense receipt upload function. Some suggest that this function can be accessed from the Homepage.

Can users find Financial Reports easily?

3 out of 3 users can find the financial report section easily. Users suggest that there is a history record at home and it is necessary to add information about the largest types of expenses each month.

Can users fill out Financial Quizzes easily?

3 out of 3 users were able to understand and complete the financial quiz. Users suggest increasing the visibility of the design by making it less texty

Result Summary

The majority of users can easily find important features and successfully complete the given tasks without difficulty. There are several areas that can be improved, such as making the entry point for recording expenses accessible from the homepage, adding a history of notes on the homepage, and increasing visibility.

Design Iteration and Improvement

Problem Feedback :

Expense receipt upload function suggest that this function can be accessed from the Homepage.
Financial Reports suggest that there is a history record at home and it is necessary to add information about the largest types of expenses each month.
Financial Quizzes suggest increasing the visibility of the design by making it less texty

Problem Feedback :

Expense receipt upload function suggest that this function can be accessed from the Homepage.
Financial Reports suggest that there is a history record at home and it is necessary to add information about the largest types of expenses each month.
Financial Quizzes suggest increasing the visibility of the design by making it less texty

homepage - iterated design

Include a quick menu on the homepage for 'Add Expense Record' and 'Check Financial Report,' enabling users to easily submit expenses and monitor their financial status, thereby encouraging consistent engagement.

cashflow report - iterated design

Provide users with detailed insights into their largest expenses, helping them better understand their spending habits and make informed financial decisions

Financial Literacy Quiz - iterated design

From the feedback received, the interface display is too texty or lacks visibility. Therefore, in this section, I decided to make the user answer one question at a time to increase visibility and enhance user engagement by simplifying the interaction

The testing and iteration phases have been instrumental in refining my design and ensuring it meets user needs effectively. Through rigorous testing, I identified key areas for improvement and incorporated user feedback to enhance functionality and user experience. This iterative process has not only improved the design but also reinforced the importance of user-centered design in our approach.

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