Finfix Case Study

Created a stress-free,
guided debt repayment journey.

🧠 Project Summary

Finfix is a mobile app that focuses on how to pay off multiple loans in a short period of time. It uses AI-powered financial coaching, creates custom repayment plans, and tracks real-time progress, so it takes the emotional toll on how to manage your debt. Finfix empowers users to see their financial picture clearly and reduce the mental burden of borrowing money.

🧩 Role & Responsibilities

Timeline: 4-5 Months 
Role: Discovery, Research Synthesis, Design Sprint, Prototype Validation

I designed and validated the debt management journey from the beginning - making repayment easier and less stressful by guiding users through personalized tasks.

Problem Statement

Managing multiple debts can be overwhelming for users. They often don't know which debt to pay off first or how to stay on track, which can lead to confusion and anxiety.

🎯 Objectives

Provide personalized, actionable debt repayment strategies.
Reduce user anxiety by offering real-time updates and emotional support.
Increase user engagement through AI- powered financial advice and tailored notifications.
Simplify the debt management process, making it accessible to users with varying levels of financial literacy.

Key Insights from Interviews

"I never know if I’m doing it right."  "Debt feels like a mess that I avoid looking at."

🔍 Research Methodology

Stakeholder Interviews

Goal: Understand how product success is measured (retention, repayment rates).

Insight: The app’s success is defined by consistent user engagement and a reduction in missed payments.

User Interviews (Behavioral Segmentation)

We interviewed 10 users across three different financial mindsets:

Avoiders – 60% of Avoiders never checked their loan balances because it caused significant emotional stress.

Optimizers – 40% of Optimizers felt motivated but overwhelmed by complex repayment methods, like the Avalanche method.

Survivors – Struggling to make ends meet, unsure how to start managing debt.

📅 Timeline Mapping

Stage	Trigger	Emotion	Friction
Discover	Overdue notice	Panic	No clarity on what to prioritize
Try	Tries spreadsheet	Hope → Frustration	Too complex
Commit	Pays off 1 debt	Relief	No sense of progress

🎯 Competitive Gaps

We analyzed leading apps like Mint and Debt Payoff Planner to identify gaps

Feature	Mint	Debt Payoff Planner	Gap
Personalized Debt Plans	❌️	✅	Personalized approach missing in Mint
Real-Time Syncing	✅	❌	Real-time syncing missing in Debt Payoff Planner
Debt Strategy Comparison	❌️	✅	Comparison feature missing in Mint
Motivational Reminders	❌️	❌️	Generic, impersonal reminders in Mint & Debt Payoff Planner
Emotional Relief	❌	❌	Lacks emotional relief in Mint and Debt Payoff Planner

💡 Ideation

Personalized Debt Strategies

Users can choose between the snowball or avalanche methods and customize repayment plans based on their specific needs.

Progress Visualization

A visual tracker that helps users see the impact of each payment, reinforcing positive behavior and progress.

Motivational Nudges

Notifications that celebrate small victories and remind users of the emotional benefits of staying on track to repay debt.

During the ideation process, we aimed to create a design that not only handled the numerical aspects of debt but also addressed the emotional aspects of debt management. The focus was on simplifying the user experience while ensuring that users felt empowered, in control, and supported.
The ideation process produced the following key concepts

🔑 Key Features

🤖 AI-powered financial coaching

🛃 Customized Repayment
Strategies

⏱ Real-time Progress Tracking

🎨 Color Strategy

We carefully selected colors that reflect the emotional journey of managing debt

🧩 Information Architecture

✏️ Wireframe

🛠️ UI Elements

🎬 Splash screen

The Finfix splash screen shows users an easy way to manage their debt. It highlights key features like personalized insights, step-by-step strategies, and custom loan plans. The clean design and intuitive layout set a welcoming tone, giving users a sense of confidence and control right from the start.

💸 Managing Debt with Confidence and Clarity

FinFix is more than just a debt tracker — it's a tool that empowers users to take charge of their financial future with confidence, clarity, and motivation. From easy-to-understand strategies to personalized coaching, FinFix is designed to make debt management feel achievable, not overwhelming.

🧩 Prototypes & Testing

Usability Test Results

Initially, 75% of users initially struggled with the Snowball Method interface. After simplifying the design, task completion time reduced by 35%, making the experience more intuitive.

Key Features Tested:

Debt Progress Timeline – Visualizing the progress of debt repayment kept users motivated.

Debt Strategy Wizard – Allowed users to easily select their preferred repayment method.

One-Tap Action Cards – Let users take quick, positive actions toward paying off their debt.

80% of users preferred the new design over other debt management tools they were using.

6 out of 10 testers said they would check the app weekly to stay on track with their debt repayment.