Kholo

The problem

Students struggled with inconsistent saving habits and premature withdrawals. Surveys and two virtual interviews informed the work, including insights into irregular income and impulsive spending.

My contribution

As Lead Product Designer, I designed the budgeting experience, including the budget generator, savings tracker, goal visualisations and monthly planner. These components connect day-to-day planning with longer-term savings goals.

Design decisions

Structured savings tiers, a clear budget dashboard, reminders and progress indicators support long-term saving. The product spans onboarding, savings plans, withdrawal logic, budgeting, job opportunities, discounted deals, transaction history and alerts.

More than a savings tool

The original concept also considers life after graduation: job discovery, student deals and resume support sit alongside saving and budgeting. That wider context matters because the financial challenge is connected to students’ confidence about what comes next.

Research & process

Affinity mapping surfaced procrastination, lack of routine and financial anxiety. Personas included the Overwhelmed Student, the Budget-in-the-Head Saver and the Aspiring Planner. User flows focused on fast setup, easy tracking and emotional reinforcement.

Outcome & next step

The prototype demonstrates a full product ecosystem. A future round of usability testing would explore saving commitment and long-term use.

Change the lens.