FinVoyage is an app designed for budgeting beginners and those new to personal finance. It helps users set clear savings goals and build healthy budgeting habits to achieve their financial objectives.
FinVoyage is an app designed for budgeting beginners and those new to personal finance. It helps users set clear savings goals and build healthy budgeting habits to achieve their financial objectives.
Product Design
XR
UX
UI
There are so many budgeting apps out there, but I still don't know how to start saving.
There are so many budgeting apps out there, but I still don't know how to start saving.
Most budgeting apps track spending with categories and reports, but rarely guide users on what to do next. For young people without solid financial habits, the data feels passive, easy to see, hard to act on. Motivation fades, and the habit doesn’t stick.
Most budgeting apps track spending with categories and reports, but rarely guide users on what to do next. For young people without solid financial habits, the data feels passive, easy to see, hard to act on. Motivation fades, and the habit doesn’t stick.
We believe saving goals should be the starting point of budgeting.
We believe saving goals should be the starting point of budgeting.
With the right guidance and support, users can turn daily spending into motivation for reaching their goals.
With the right guidance and support, users can turn daily spending into motivation for reaching their goals.
FinVoyage is a personal finance app designed to simplify the process of recording expenses and tracking saving goals.
FinVoyage is a personal finance app designed to simplify the process of recording expenses and tracking saving goals.
It aims to help young adults develop healthy money management skills by providing intuitive guidance, clear progress visualization, and motivational reminders.
It aims to help young adults develop healthy money management skills by providing intuitive guidance, clear progress visualization, and motivational reminders.
According to Cathay United Bank’s 2023 Financial Health Report, many people in Taiwan lack consistent saving habits and have no clear financial goals. Motivation and actionable steps in personal finance remain low, especially among young adults.
According to Cathay United Bank’s 2023 Financial Health Report, many people in Taiwan lack consistent saving habits and have no clear financial goals. Motivation and actionable steps in personal finance remain low, especially among young adults.
Young professionals and entry-level earners (ages 22–30)
#NewToBudgeting
#FinancialBeginners
#MotivatedToSave
#GoalOriented
#VisualTracking
Entry-Level Professional
A 26-year-old design assistant in her first full-time job. Adjusting to independent living and learning to manage a steady income for the first time.
A 26-year-old design assistant in her first full-time job. Adjusting to independent living and learning to manage a steady income for the first time.
First-time budgeter
She has never seriously tracked her expenses or set savings goals before. Most of her financial decisions are reactive rather than planned.
She has never seriously tracked her expenses or set savings goals before. Most of her financial decisions are reactive rather than planned.
Low savings confidence
She struggles to save consistently. Money often feels like it slips away without control, and she feels anxious seeing her account balance drop toward the end of each month.
She struggles to save consistently. Money often feels like it slips away without control, and she feels anxious seeing her account balance drop toward the end of each month.
It's such a hassle to log expenses and then claim reimbursements after covering for friends or work. Budgeting apps don’t really simplify this.
It's such a hassle to log expenses and then claim reimbursements after covering for friends or work. Budgeting apps don’t really simplify this.
I booked a train ticket for next month, but I don’t know whether to log it on the purchase date or the travel date. Reports don’t help, so I have to add notes myself.
I booked a train ticket for next month, but I don’t know whether to log it on the purchase date or the travel date. Reports don’t help, so I have to add notes myself.
I’m often too lazy to open the app, so I jot things in Apple Notes instead—then it piles up and I never go back to log them.
I’m often too lazy to open the app, so I jot things in Apple Notes instead—then it piles up and I never go back to log them.
If I miss a day, I try to backfill in order, but it gets messy and I end up giving up altogether.
If I miss a day, I try to backfill in order, but it gets messy and I end up giving up altogether.
Budgeting apps feel boring and unengaging. I usually switch to a new one after a while just to feel something fresh.
Budgeting apps feel boring and unengaging. I usually switch to a new one after a while just to feel something fresh.
Recent Trends: Users Are Seeking Personalized Services in Finance App
Recent Trends: Users Are Seeking Personalized Services in Finance App
We conducted a detailed analysis of current financial apps on the market. Findings show that Taiwan’s personal finance app market is gradually evolving from single-function tools into integrated financial ecosystems. These apps now combine features like expense tracking, asset management, budgeting, and even trading. Some have begun introducing interactive elements and personalized rewards to lower the barrier to entry for users.
We conducted a detailed analysis of current financial apps on the market. Findings show that Taiwan’s personal finance app market is gradually evolving from single-function tools into integrated financial ecosystems.
These apps now combine features like expense tracking, asset management, budgeting, and even trading. Some have begun introducing interactive elements and personalized rewards to lower the barrier to entry for users.
Recent User Expectations for Personalized Services in Finance Apps
All-in-one finance management
Personalized rewards
Real-time alerts & smart tips
Customizable & aesthetic UI
Secure, user-controlled access
Social & gamified features
Goal-Oriented Saving Flow
Guides users to set specific amounts and deadlines. The main screen displays visual process to boost motivation and help achieve goals.
Guides users to set specific amounts and deadlines. The main screen displays visual process to boost motivation and help achieve goals.
Visualized Progress Tracking
Savings milestones are shown through charts, paired with an achievement unlocking system to reinforce a sense of purpose and maintain momentum.
Savings milestones are shown through charts, paired with an achievement unlocking system to reinforce a sense of purpose and maintain momentum.
Mood-based Expense Reflection
Each expense can include notes and mood icons, turning simple tracking into self-reflection, helping users recognize impulsive spending and manage their finances mindfully.
Each expense can include notes and mood icons, turning simple tracking into self-reflection, helping users recognize impulsive spending and manage their finances mindfully.
Fantasy
Fantasy
Adventure
Adventure
Illustration
Illustration
Financial Voyage
Financial Voyage
A blend of finance and adventure.
“Every deposit is a marker steering you toward the next treasure island (goal).”
Inspired by Old Men's Journey, a hand-drawn, nostalgic, and whimsical style that evokes a sense of adventure and discovery.
Inspired by Old Men's Journey, a hand-drawn, nostalgic, and whimsical style that evokes a sense of adventure and discovery.
Ocean Blue
Ocean Blue
#4090F1
#4090F1
Golden orange of coins and treasure
Golden orange of coins
#FFBC5B
#FFBC5B
Onboarding
Onboarding
Welcome Screen features three simple illustrations with content, quickly introducing the core concept and key functions, helping users get started easily and feel ease.
Welcome Screen features three simple illustrations with content, quickly introducing the core concept and key functions, helping users get started easily and feel ease.
Home Page
Home Page
Donut and detail charts help users quickly understand spending—ideal for beginners and those sensitive to numbers.
Donut and detail charts help users quickly understand spending—ideal for beginners and those sensitive to numbers.
Goal Setting Page
Goal Setting Page
First-time users follow a 3-step flow with suggested goals. Framing goals as “island destinations” adds a playful, adventure-themed touch that makes the process easy and engaging.
First-time users follow a 3-step flow with suggested goals. Framing goals as “island destinations” adds a playful, adventure-themed touch that makes the process easy and engaging.
Expense Details Page
Expense Details Page
Users can view their spending history and edit notes, emotions, or amounts directly on the page. A pie chart dashboard helps visualize spending distribution at a glance.
Users can view their spending history and edit notes, emotions, or amounts directly on the page. A pie chart dashboard helps visualize spending distribution at a glance.
Now
Visualized Progress Boosts Retention
Unlocking islands step by step lets users see their savings grow, increasing their sense of achievement and confidence. This positive feedback encourages regular engagement.
Unlocking islands step by step lets users see their savings grow, increasing their sense of achievement and confidence. This positive feedback encourages regular engagement.
Future
Bitba – Your Smart Financial Navigator
Personalized saving tips, AI progress tracking, and spending alerts will be offered as premium features, encouraging upgrades and generating steady revenue.
Personalized saving tips, AI progress tracking, and spending alerts will be offered as premium features, encouraging upgrades and generating steady revenue.
Future
Build Community & Sharing Features
Users can share goal progress, achievements, or spending reflections, fostering a sense of companionship in saving and expanding the user base.
Users can share goal progress, achievements, or spending reflections, fostering a sense of companionship in saving and expanding the user base.
Learn- Playing to Each Other’s Strengths
Learn- Playing to Each Other’s Strengths
Working with teammates from different backgrounds, I saw how everyone brings unique strengths. When we make the most of them, even under time pressure, the results can exceed expectations.
Working with teammates from different backgrounds, I saw how everyone brings unique strengths. When we make the most of them, even under time pressure, the results can exceed expectations.
Reflection- Time & Task Clarity
Reflection- Time & Task Clarity
Clearer task division and faster alignment on goals and workflows would have made collaboration more efficient and helped us manage time better.
Clearer task division and faster alignment on goals and workflows would have made collaboration more efficient and helped us manage time better.
With limited time and a new team, we needed to align quickly on goals and workflows. Clearer task division and better time management would have made collaboration smoother.
With limited time and a new team, we needed to align quickly on goals and workflows. Clearer task division and better time management would have made collaboration smoother.
Learn
Learn
This project allowed us to go beyond just design concepts, we spent most of our time building a complete UI system. From creating design tokens and components to organizing a design system and wireframing, prototyping and preparing handoff documents, I gained real, practical experience that strengthened my UI skills.
This project allowed us to go beyond just design concepts, we spent most of our time building a complete UI system. From creating design tokens and components to organizing a design system and wireframing, prototyping and preparing handoff documents, I gained real, practical experience that strengthened my UI skills.
Reflection
Reflection
While working on detailed UI tasks, I realized how important it is to align early on design structure, naming conventions, and handoff standards. Clear collaboration and documentation are key to making teamwork efficient in UI design.
While working on detailed UI tasks, I realized how important it is to align early on design structure, naming conventions, and handoff standards. Clear collaboration and documentation are key to making teamwork efficient in UI design.
