Clément Bergantz

A better categorization and understanding of your budget

Bankin' is a money management mobile app with more than 4 millions users in France, England, Spain and Germany. Total funding: $31.8M

Role: Freelance Product Designer with a focus on Interactive and User Interface Design

Period: October 2019 and march 2020

I regularly work with the different Bankin’ and Bridge’s product squads in the delivery of their roadmaps with a focus on Interactive and User Interface Design. In The Double Diamond design process that I use as a Product Designer, my work with the team starts in the second solution phase when the framing of the product has already been done by product managers and user researchers in the first problem phase. I consider that a good product designer should be able to work on both phases, and I’m always happy to spend a lot of time iterating on user interfaces and interactions when the framing has been well done upstream. 

As I have worked on a few projects in October 2019 and March 2020, I will only detail one of them as an example.

Linking refunds to expenses for a better categorization and understanding of your budget

The problem
Bankin's main feature is the automatic categorization of your transactions on your bank accounts so you can easily discover how much you spend in food, transportation, health care, entertainment or any other category. However, in few cases, your transactions on your bank account are biased and don’t represent your real expenses per categories, for example if you use a lot of cash or if you pay something up-front, waiting for a refund like with healthcare reimbursement or if you advance money to a friend for holidays. These cases will skew the analysis of your spendings and budget.

The solution
The solution to this problem is to link a refund to the corresponding expense. That’s something that is difficult to do automatically, nevertheless we wanted to offer our users the ability to do it manually. By linking one or several refunds to a corresponding spending the amount really paid is calculated for the analysis of the budget. For example if you paid 120€ for a health expense and 80€ are reimbursed by your insurance, only 40€ will be taken into account and categorized as an health expenditure.

This feature is an advanced one, and the challenge was to make it easily understandable. We didn’t want to create any confusion between transaction amounts on your bank account and amounts you actually paid used in the spending analysis by category and your budget.

  • Iterations on User Interfaces: components, mobile interactions, wording
  • Prototyping and internal user testing (dogfooding)

Here is a video of the high-fidelity prototype.

The feature has been shipped on April 30, 2020, and is available to Bankin' Plus and Bankin' Pro users in France, UK, Spain, and Germany on iOS and Androïd.

Personal lesson learned
Interaction and User Interface Design are all about details.

Clément Bergantz, Paris, 2019                ︎   ︎   ︎