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Design a mobile financial application that targets the Millennial demographic.


Create a design that brings human interaction and artificial intelligence into digitalized banking. With less people going into brick and mortar banks, the banker-customer relationship is eroding. Video conferencing brings back the person-to-person contact instantly, and at the click of a button. A personalized financial adviser can leverage AI Watson to help manage your money better, while serving you specific needs.


Push notifications would reinforce when a user is doing good (ie saving, paying bills on time ect). The next iteration would add a feature that will allow bank-users to “shop” for a financial adviser. This would include profiles of advisers (with their picture) that would list their specialized focus (savings, bankruptcy, 401K ect) and also have a brief biography of the banker. By shopping for a banker/adviser the user has the capacity to choose someone they feel comfortable with in sharing their personal financial information. A ‘Connect With LinkedIn’ (or Facebook) widget would also be integrated so users can search their existing networks for potential advisers. This concept builds on the best marketing technique: personal referrals. By personalizing the user experience and rekindling the human interaction, the product design aims to diminish fears in financial management by providing transparency, knowledge sharing and trust-building.



I worked with the designer to create a polished mobile banking experience. I further coached the team on how to deliver their pitch to the judges reminding them that the video conferencing was a value added in order to fill a void created by the digitalized banking system. Millennials’ have a need beyond video chatting. Underlying emotions and attitudes driven by the country’s fractured financial industry (Occupy movement, personal debt, home foreclosures) had to be addressed in the user experience. This was determined through secondary research and free-listing.

The original concept was developed prior to my inclusion into the team. Additionally, the team was making one application for two separate hackathons. This made it nearly impossible to change or alter the original concept or design. Since the other members were simultaneously involved in another hackathon, they could not direct their time solely to the Capital One challenge. User feedback was also not obtained largely due to time constraints from the challenge itself and division of the team’s time between hackathons.

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