Niobank Smart Finance and Green Future

I identified the primary target users as young adults and professionals who are digitally literate, earn a regular income, and actively use mobile banking applications. Although comfortable with digital tools, these users often struggle with financial planning, saving consistency, and long-term decision-making due to a lack of structured guidance.

I analyzed everyday financial scenarios such as receiving monthly income, managing daily expenses, setting saving goals, and making spontaneous spending decisions. This helped establish how Niobank should support users not only during transactions, but also during reflective moments when financial decisions are made.

Based on behavioral insights, I defined key user requirements such as the need for simple financial overviews, guidance-driven budgeting, automated saving mechanisms, and transparency in financial recommendations. Users required support without feeling controlled, which shaped how AI assistance was positioned within the product.

Functional requirements were established to support user needs, including AI-powered financial analysis, goal-based budgeting systems, and automated financial actions. Each function was defined to directly respond to a specific pain point identified during context analysis.

Organizational and thematic requirements from the competition brief were incorporated by aligning the product with relevant Sustainable Development Goals. Sustainability requirements emphasized that environmental contributions should be embedded into financial behavior rather than added as separate donation features.

I structured the information architecture to prioritize user intent over traditional banking terminology. Features were grouped to reduce cognitive load and allow users to access financial insights, budgeting tools, and sustainability actions intuitively.

Low-fidelity wireframes were created to explore layout structures and interaction flows. The focus was on ensuring that complex financial actions—such as planning budgets or consulting the AI advisor could be completed efficiently with minimal steps.

The wireframes were refined into high-fidelity UI designs that emphasized trust, clarity, and accessibility. Visual decisions were carefully balanced to reflect both financial credibility and sustainability values without compromising usability.

An interactive prototype was developed using Figma to simulate real user interactions. This allowed realistic testing of financial planning, AI guidance, and sustainability-related features before final evaluation.

Usability testing was conducted through task-based scenarios such as setting up budgets, interacting with the AI advisor, and engaging with green action features. This evaluation assessed task success, clarity, and efficiency.