Your go-to way to split, settle, and pay your expenses
Your go-to way to split, settle, and pay your expenses
Your go-to way to split, settle, and pay your expenses
Timeline (Nov 2023)
Timeline (Nov 2023)
2 weeks
2 weeks
Design Role
Design Role
UX/UI, Research
UX/UI, Research
Team
Team
1 UX/UI Designer, 1 UX Researcher, 2 Developers
1 UX/UI Designer,
1 UX Researcher,
2 Developers
1 UX/UI Designer, 1 UX Researcher, 2 Developers


Students want to simplify the process of paying friends and colleagues back.
Students want to simplify the process of paying friends and colleagues back.
Students want to simplify the process of paying friends and colleagues back.
But it’s hard to keep track of numerous expenses and ensuring that everyone pays their share on time.
But it’s hard to keep track of numerous expenses and ensuring that everyone pays their share on time.
But it’s hard to keep track of numerous expenses and ensuring that everyone pays their share on time.
When going out with large groups of people, we all noticed how complicated it was to settle a bill. With various payment methods and many reminders later, the entire process of getting all your money back from one meal with friends months ago can be insanely tedious.
When going out with large groups of people, we all noticed how complicated it was to settle a bill. With various payment methods and many reminders later, the entire process of getting all your money back from one meal with friends months ago can be insanely tedious.



THE SOLUTION
THE SOLUTION
Interac Settle: Settle your expenses
Interac Settle: Settle your expenses
Interac Settle: Settle your expenses
Interac Settle is an app that helps users simplify the process of managing shared expenses. With multiple tools and features that help with tracking expenses, splitting bills in desired ways, and reminding friends to pay, the entire experience turns hassle-free.
These features help users improve their financial management in social settings, turning a typically stressful task into a seamless one!
Interac Settle is an app that helps users simplify the process of managing shared expenses. With multiple tools and features that help with tracking expenses, splitting bills in desired ways, and reminding friends to pay, the entire experience turns hassle-free.
These features help users improve their financial management in social settings, turning a typically stressful task into a seamless one!
Interac Settle is an app that helps users simplify the process of managing shared expenses. With multiple tools and features that help with tracking expenses, splitting bills in desired ways, and reminding friends to pay, the entire experience turns hassle-free.
These features help users improve their financial management in social settings, turning a typically stressful task into a seamless one!






📅 Assign and manage expenses, made easy
📅 Assign and manage expenses, made easy
📅 Assign and manage expenses, made easy
The guided, streamlined process of adding an expense, assigning it to a group, and being able to manage it in the future, avoids confusion throughout the process.
The guided, streamlined process of adding an expense, assigning it to a group, and being able to manage it in the future, avoids confusion throughout the process.
The guided, streamlined process of adding an expense, assigning it to a group, and being able to manage it in the future, avoids confusion throughout the process.
💳 Create events and groups to organize expenses
💳 Create events and groups to organize expenses
💳 Create events and groups to organize expenses
Creating events with individuals or groups of people you hang out regularly, all expenses are organized in easy and efficient ways.
Creating events with individuals or groups of people you hang out regularly, all expenses are organized in easy and efficient ways.




🔎 Identifying the Problems
🔎 Identifying the Problems
🔎 Identifying the Problems
To better understand potential users of Interac Settle, we conducted 6 interviews with other interns in the same cohort.
Interac Settle is an app that helps users simplify the process of managing shared expenses. With multiple tools and features that help with tracking expenses, splitting bills in desired ways, and reminding friends to pay, the entire experience turns hassle-free.
These features help users improve their financial management in social settings, turning a typically stressful task into a seamless one!
To better understand potential users of Interac Settle, we conducted 6 interviews with other interns in the same cohort.
The pillars of my research
The pillars of my research
The pillars of my research
Asking about E-transfer experiences
To understand how users generally send money between each other and how they utilize the E-transfer Request capabilities.
To understand how users generally send money between each other and how they utilize the E-transfer Request capabilities.
Asking about group spending habits
To understand the different ways users send money in groups, how difficult they find it, and what they're looking for in a better experience.
To understand the different ways users send money in groups, how difficult they find it, and what they're looking for in a better experience.
Asking about experience with competing apps
To understand how our main competitors work, how they are succeeding, and most importantly, where they are underperforming.
To understand how our main competitors work, how they are succeeding, and most importantly, where they are underperforming.
💭 What do our users really want?
💭 What do our users really want?
💭 What do our users really want?
After the user interviews, the team held an affinity diagram organizing session, where we were able to synthesize our findings and come to some conclusions.
After the user interviews, the team held an affinity diagram organizing session, where we were able to synthesize our findings and come to some conclusions.



What did the users say?
What did the users say?
What did the users say?
After the user interviews, the team held an affinity diagram organizing session, where we were able to synthesize our findings and come to some conclusions.
After the user interviews, the team held an affinity diagram organizing session, where we were able to synthesize our findings and come to some conclusions.
KEY INSIGHTS
KEY INSIGHTS
KEY INSIGHTS
We don't want to be aggressive
Users want a way to remind people to pay without coming off as aggressive or annoying.
Users want a way to remind people to pay without coming off as aggressive or annoying.
We're more chill with close friends and family
Most people do not keep tabs close friends and/or family. Tabs are kept with large groups and acquaintances.
Most people do not keep tabs close friends and/or family. Tabs are kept with large groups and acquaintances.
People split bills for big events rather than day-to-day activities.
Users tend to keep track of payments for big events. In day-to-day cases, users tend to go the "IOU" way.
Users tend to keep track of payments for big events. In day-to-day cases, users tend to go the "IOU" way.
💭 Empathizing with our users
💭 Empathizing with our users
💭 Empathizing with our users
With the help of our research and insights, we were able to craft a user persona to better understand the main users of Interac Settle after learning about user needs and pain points. We were able to better empathize with our user group by referring to this persona while starting our designing process.
With the help of our research and insights, we were able to craft a user persona to better understand the main users of Interac Settle after learning about user needs and pain points. We were able to better empathize with our user group by referring to this persona while starting our designing process.



Which led me to think…
Which led me to think…
Which led me to think…
How might we help students easily track and settle big, shared expenses on time?
How might we help students easily track and settle big, shared expenses on time?
How might we help students easily track and settle big, shared expenses on time?
🎨 Bringing visions to life
🎨 Bringing visions to life
🎨 Bringing visions to life
But wait! Don't go into Figma just yet.
But wait! Don't go into Figma just yet.
But wait! Don't go into Figma just yet.
I kicked off the design process by thinking about the user flow of Interac Settle.
With the insights and conclusions gathered from the user interviews that we conducted, we created a user flow chart. Creating a user flow chart is extremely beneficial as designers are able to visualize what each flow and screen may look like, while making improvements as we see fit.
I kicked off the design process by thinking about the user flow of Interac Settle.
With the insights and conclusions gathered from the user interviews that we conducted, we created a user flow chart. Creating a user flow chart is extremely beneficial as designers are able to visualize what each flow and screen may look like, while making improvements as we see fit.
With the insights and conclusions gathered from the user interviews that we conducted, we created a user flow chart. Creating a user flow chart is extremely beneficial as designers are able to visualize what each flow and screen may look like, while making improvements as we see fit.
With the insights and conclusions gathered from the user interviews that we conducted, we created a user flow chart. Creating a user flow chart is extremely beneficial as designers are able to visualize what each flow and screen may look like, while making improvements as we see fit.



After planning out the major flows, while taking into account the pain points and needs, I got straight into sketching what each screen may look like. Then, I created mid-fi screens to plan out each main flow and interactions with each screen.
During this portion in our iterative process, me and my team were able to pin point a lot of problems with the flow that users may face. Whether it's our user flows being unintuitive or putting too much focus on an edge case that might not even happen, me and my team made sure to address these problems and come up with user-friendly experiences.
After planning out the major flows, while taking into account the pain points and needs, I got straight into sketching what each screen may look like. Then, I created mid-fi screens to plan out each main flow and interactions with each screen.
During this portion in our iterative process, me and my team were able to pin point a lot of problems with the flow that users may face. Whether it's our user flows being unintuitive or putting too much focus on an edge case that might not even happen, me and my team made sure to address these problems and come up with user-friendly experiences.
After planning out the major flows, while taking into account the pain points and needs, I got straight into sketching what each screen may look like. Then, I created mid-fi screens to plan out each main flow and interactions with each screen.
During this portion in our iterative process, me and my team were able to pin point a lot of problems with the flow that users may face. Whether it's our user flows being unintuitive or putting too much focus on an edge case that might not even happen, me and my team made sure to address these problems and come up with user-friendly experiences.
🎨 Final Designs
🎨 Final Designs
🎨 Final Designs
🗯️ Introducing, Interac Settle!
🗯️ Introducing, Interac Settle!
🗯️ Introducing, Interac Settle!
Wireframes
Wireframes
Wireframes
Prototype
Prototype
Prototype