A digital wallet that bridges spending habits and financial literacy
ROLE
UX Designer (Personal project)
DURATION
4 months
METHODS
User interviews, user surveys, rapid prototyping, user flows, usability testing, interaction design
The Challenge
Many Gen Z and Millennials grapple with personal finance management despite being a tech-savvy generation. They aspire to attain financial literacy and independence, yet barriers to entry to financial education impede progress.
INITIAL RESEARCH
A global study conducted in 2021 revealed that 75% of individuals regularly use digital wallets, with Gen Z and Millennials at the forefront
USER RESEARCH
User research revealed that despite their digital fluency, many participants struggled with spending habits, budgeting, and financial clarity
Surveys and interviews were conducted with Gen Z and Millennials to uncover these insights and pain points.
KEY INSIGHTS
84% of interview participants found that managing money was not intuitive
From an interview with five users, four key patterns emerged.
SOLUTIONS PRIORITIZATION
I evaluated competitor features to generate solution ideas, then prioritized them using an Impact-Effort matrix
Following the brainstorming session, I continued to build out the features in the “High Impact”-“Low Effort” category.
DESIGN EXPLORATIONS
Several low-fidelity designs were tested and refined to identify the most effective user flow and information hierarchy
USABILITY TESTING + IMPROVEMENTS
I conducted five moderated usability testing sessions to gather feedback and inform revisions
Specifically, I assessed if users found the navigation and features intuitive to use and if the participants felt more confident in understanding their spending and building better financial habits. Based on their feedback, I implemented the following revisions.
USABILITY TESTING + IMPROVEMENTS
REFLECTIONS
Prioritizing insights over process expectations
The current copy that you see in this case study is the fourth iteration, with many of its initial features refined based on rounds of user feedback. At every stage, it is imperative to fall back on research and data insights to validate design decisions.
Money is a complex subject matter
Given more resources, I’d like to consult with financial advisors and subject matter experts on making the app more user-friendly and professionally fine-tuned.
Final Designs
The Solution
Meet Lagom: a digital wallet that improves on popular wallet features and empowers users with better financial literacy by making spending more transparent and organized.
01
Gen Z and Millennials are digitally fluent, but lack foundational financial literacy
02
Existing wallet apps often have poor hierarchy, making good habits hard to build
03
Juggling multiple apps leads to friction and decision fatigue
04
Users want streamlined, all-in-one tools that make managing finances easier
HIGH EFFORT
LOW EFFORT
LOW IMPACT
HIGH IMPACT
Categorized pie charts
Financial expert in-app
Financial news in-app
Thematic branding
Budget fund
Graph overview
Transaction labels
Financial tip of the day
Forecasting tools
Gamified accomplishments
Automated bill pay
Bank account aggregation
Account overview and insights
View recent transactions and account balances in real-time to stay aware of spending habits. This encourages informed decision-making and better day-to-day financial control.
Categorized spending summary
Monthly spending is automatically sorted and color-coded by category, helping users recognize patterns and build literacy through visual clarity.
Interactive spending breakdown
Tapping on the donut chart reveals detailed category-level insights, encouraging users to organize or track spending behaviors.
Budget setup and monitoring
Lastly, users can set realistic budgets by category and use the pill tabs to toggle between planning and tracking modes.
Resume
Updated 9/25
© 2025 Angela Yang
Let’s get in touch!