TALLIE
Financial Scoring & Smart Notification
When
February 2020
Role
UI/UX Design, Research
Project Brief & Background
This project main focus is to help young generations who don’t think that they have to save up money. Most of the bank in
Indonesia nowadays still analyzing our financial in concervative way. They use 5C guideline (character, capacity, capital,
condition & collateral) and 5P principle (personality, purpose, prospect, payment dan party). This system is used by them
to rate the eligibility of prospective debtors. The score range from 1 to 5. The higher your score, the higher your chance
the bank. will lend you the money. Young generations nowadays got zero experience in credits and most likely get their
application rejected.
Indonesia nowadays still analyzing our financial in concervative way. They use 5C guideline (character, capacity, capital,
condition & collateral) and 5P principle (personality, purpose, prospect, payment dan party). This system is used by them
to rate the eligibility of prospective debtors. The score range from 1 to 5. The higher your score, the higher your chance
the bank. will lend you the money. Young generations nowadays got zero experience in credits and most likely get their
application rejected.
Research, Insights & Results 📝
Solutions 🤘🏼
We conducted survey to see the knowledge of young generations. We want to know if they got some knowledge in
planning their financial or know about financial scoring.
planning their financial or know about financial scoring.
Tallie, a mobile app to manage the user’s financial. It will track the spending, monitoring transaction, state the user’s financial scoring
based on RFM model.
based on RFM model.
Learning user behaviour
We want to know their knowledge and want to have as many answer as possible.
So we thought that survey is the most suitable way to conduct the research.
This is our result.
So we thought that survey is the most suitable way to conduct the research.
This is our result.
30% of the respondent trace their spending
• Most of them who doesn’t trace or take notes of their spending said that
they are too lazy and there’s no urgency to do manage their finances.
they are too lazy and there’s no urgency to do manage their finances.
1
They think credit scoring is necessary? Any action to make it higher?
• 55.6% said it’s not necessary. Most of them think it can be done later.
• 66% said they don’t know aside of talk to the bank about how to make it higher.
• 66% said they don’t know aside of talk to the bank about how to make it higher.
3
Summary
• Young generations still think that they don’t need to think about scoring
• Fact said that the growth of young generations that apply for credit card
is about 103% (Bank BRI 2017)
• They don’t know how to make their credit scoring higher
• Fact said that the growth of young generations that apply for credit card
is about 103% (Bank BRI 2017)
• They don’t know how to make their credit scoring higher
4
We ask them what they think about their credit scoring
• 48.9% don’t know their credit scoring
• 36.2% said they have good credit scoring
• 14.9% said they have bad credit scoring
• 36.2% said they have good credit scoring
• 14.9% said they have bad credit scoring
2
Quantitative Survey
Tallie’s feature
This project solely to educate people who doesn’t think they need it.
But actually this is important and to engage them to use it, I have to make it
more approachable by using design they familiar with. I learn how to make design
that say “learning with this doesn’t feel like learning at all”. I was quite happy when
test it and they say that this design is easy of use 🙃
But actually this is important and to engage them to use it, I have to make it
more approachable by using design they familiar with. I learn how to make design
that say “learning with this doesn’t feel like learning at all”. I was quite happy when
test it and they say that this design is easy of use 🙃
Project Takeaways 📝
Ease of use
RFM Financial Scoring
RFM (Recency, Frequency, Monetary Value) scoring used to describe user behaviour
in managing their financial.
in managing their financial.
1
Bill Tracking
Tallie will take notes every purchase or transaction in and out. Tallie is connected to
the user’s debit and credit card. This feature will help the user to track their subscription
based spending such as for Netflix and Spotify.
the user’s debit and credit card. This feature will help the user to track their subscription
based spending such as for Netflix and Spotify.
2
Smart Notification
AI based notification that will give the user suggestion about their financial status at that
moment. It will help the user to notify that they have a spending that they not pay yet and
educate the user to manage their money well.
moment. It will help the user to notify that they have a spending that they not pay yet and
educate the user to manage their money well.
3
