Case Study

Case Study

Redefining Finance Management for Everyone—Kred, 2024

Redefining Finance Management for Everyone—Kred, 2024

Redefining Finance Management for Everyone—Kred, 2024

Kred's mission is to improve how Nigerians manage their finances by offering an AI-powered platform that consolidates transactions, subscriptions, and bill payments into a single, user-friendly interface.
Designed with trust, simplicity, and financial literacy in mind, Kred empowers users to take control of their financial well-being.

Kred's mission is to improve how Nigerians manage their finances by offering an AI-powered platform that consolidates transactions, subscriptions, and bill payments into a single, user-friendly interface.
Designed with trust, simplicity, and financial literacy in mind, Kred empowers users to take control of their financial well-being.

Kred's mission is to improve how Nigerians manage their finances by offering an AI-powered platform that consolidates transactions, subscriptions, and bill payments into a single, user-friendly interface.
Designed with trust, simplicity, and financial literacy in mind, Kred empowers users to take control of their financial well-being.

Project Type

Project Type

  • Complete Logo & Brand Identity Design

  • Responsive Website Design

  • Comprehensive Product Design for Mobile App MVP

Duration

4 Months

4 Months

4 Months

Platform Focus

Mobile Application MVP

Mobile Application MVP

Mobile Application MVP

Team Structure

  • Lead Designer (Me): Research, UX/UI Design, Prototyping, Developer Handoff

  • Product Designers (Olamide & Ada)

  • Backend (Peluwa) and Frontend Developers (Jonathan)

Role & Responsibilities

  • User research and insights gathering

  • End-to-end UX/UI design

  • Design system development

  • User flow optimization

  • Cross-platform design consistency

  • User research and insights gathering

  • End-to-end UX/UI design

  • Design system development

  • User flow optimization

  • Cross-platform design consistency

Tools & Technologies

  • Design & Prototyping: Figma

  • Documentation: Notion

  • Collaboration: Slack, WhatsApp

The Challenge: Navigating Financial Overwhelm

In Nigeria, managing finances is a significant source of stress. Users struggle with:

Overwhelm

Overwhelm

Complex financial lives with multiple income streams, recurring payments, and a lack of centralized tracking tools.

Missed Payments

Missed Payments

Late fees and financial stress caused by poor tracking of due dates and recurring bills.

Manual Processes

Manual Processes

Time-consuming, error-prone manual tracking with limited insights into spending habits.

Lack of Awareness

Lack of Awareness

Absence of tools to understand spending patterns and make informed decisions.

Research & Insights: Understanding the Problem

Approach

Conducted 15 user interviews to understand financial habits, pain points, and expectations.

Performed a competitive analysis of financial management apps like Trakka and Inflow.

Mapped detailed user journeys for tasks like tracking expenses, paying bills, and managing subscriptions.

Key Insights

Need for a Single Source of Truth

Need for a Single Source of Truth

Users want a centralized platform for financial consolidation.

Demand for Personalization

Demand for Personalization

Tools should offer tailored advice and insights.

Importance of Trust & Security

Importance of Trust & Security

 Data privacy is critical for user adoption.

Design Process: Designing the Solution around the User

1. User Personas

1. User Personas

I created personas reflecting the diverse financial challenges of Nigerian users, such as "Ayo," a small business owner juggling personal and professional expenses.

2. Information Architecture

The app’s structure prioritized discoverability and intuitive navigation, ensuring users could easily locate essential features like transaction history or subscription tracking.

3. User Flows

3. User Flows

Detailed user flows outlined tasks such as:

  • Adding transactions

  • Setting bill reminders

  • Managing subscriptions

4. Wireframing & Prototyping

4. Wireframing & Prototyping

  • Low-fidelity wireframes established the foundational layout.

  • Iterated on high-fidelity prototypes, focusing on accessibility and clarity.

5. Usability Testing

Conducted usability tests with 5 users, refining features based on feedback.

Key Features

Transaction Management

Transaction Management

Transaction Management

  • Automatic bank linking for seamless imports.

  • AI-powered categorization for quick insights.

Bill Management

Bill Management

Bill Management

  • Centralized dashboard displaying due dates.

  • Payment reminders and auto-scheduling for recurring bills.

Subscription Tracking

Subscription Tracking

Subscription Tracking

  • Detection of automatic renewals.

  • Alerts for expiring subscriptions.

Real-time Tracking

Real-time Tracking

  • Interactive map interface

  • Status updates

  • ETA calculations

Payment System

Payment System

  • Multiple payment options

  • Wallet integration

  • Transaction history

Support System

Support System

  • In-app chat

  • Quick response times

  • Issue resolution tracking

Impact & Results

Key Metrics

Key Metrics

  • 30% improvement in financial literacy as users reported better spending awareness.

  • 45% reduction in late payment fees due to bill reminders.

  • 70% user retention after two months of beta testing.

Key Takeaways

Key Takeaways

  • 50% app download growth in Q1.

  • 40% reduction in customer support queries, saving resources.

  • Elevated market position with a user-centered approach.

Overcoming Challenges

Challenge 1: Mobile Visualization

Challenge 1: Mobile Visualization

Solution: Progressive disclosure to surface essential data first.

Challenge 2: Real-Time Performance

Challenge 2: Real-Time Performance

Solution: Collaboration with engineers to optimize refresh rates and rendering.

Lessons Learned

  1. Empathy drives impactful design.

  2. Collaboration bridges design and technical constraints.

  3. Visual design simplifies complexity.

Conclusion

This project transformed a personal pain point into a market-leading feature that improved currency monitoring. By balancing user empathy, visual design, and technical collaboration, I achieved a solution that simplifies financial decisions for millions.

The best solutions come from deeply understanding user pain points and translating them into seamless, impactful experiences

© Oluwapemiwa Adetunji. 2025

© Oluwapemiwa Adetunji. 2025

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