Although young people 15 - 34 years old makeup 49%  the employment population, the portion of people within this age group with an RSA is a measly 9.5%, also the current Gross Domestic Savings of the country is 21.65% with a GDP of 432.3 billion USD the average is 93.5 billion USD yearly and about 7.8 billion USD monthly. In a country with a workforce of about 63 million people, it can be assumed, that the average person has an average of 125 USD savings a month, which unfortunately is not the case because of various reasons, such as;  the uneven distribution of wealth, gender pay gap, black tax, the need to grease various palms, and other emergencies caused by poor infrastructure like bad roads or insecurity to name a few.

Some and in most cases, all of these factors come together to drastically reduce a person’s ability to save on their own,for whatever reason,be it investments or acquiring necessities.

Older generations found a way around this with a form of informal financing where a group comes together, and make contributions of equal amounts at the same time during a fixed period and at the end of each period, the members take turns in collecting the total sum contributed.

Here’s an example: James, John, Jane and Joe want to save together, they agree to contribute 500 USD each week, at the end of each week, they have 2000 USD and after each week, every member takes turns collecting 2000 USD to use however they want.

This method has proven beneficial over the years because it helps people reach their financial goals quicker and some popular uses of these particularly in Nigeria are paying children’s fees, acquiring assets like land, holding on to it in case of an emergency,

However this wasn’t very common with the younger population, then came the challenge to digitize the process.

In order to understand what was already being done to solve this problem, a competitor analysis was carried out on the top three competitors for a potential solution to this problem. The analysis indicated that the direct competitors did not have a lot of visibility and as a result, had a smaller user base when compared to other indirect competitors who are industry leaders. This analysis also provided insight into the direction to gear the other aspects of research

I conducted an online survey for a quantitative analysis and to serve as a screener for participants of the user interviews. ​There were 65 participants in total, and 95.3% were between the ages 15 - 30, about half of these admit to earning money, all 65 participants have a bank account and 93.8% of all participants use a mobile banking service with the most popular ones being mobile applications and USSD. About 85% of participants stated that they have a practise of saving and 50.8% of those people save monthly and the most common saving method was leaving it in a bank account. When asked if mobile banking influenced saving habits and capabilities, positive and negative influences were highlighted by various participants.

An information architecture was designed to provide a sense of structure and help developers and other designers understand the interaction between pages and function. In order to create hierarchy across pages.

After conducting the user research and interviews, the data was analysed and I was able to put this into three personas who were an overall representation of the selected target audience. The analysis included a deduction of pain-points, pleasures and capabilities. The wireframes were iterated on multiple times, in order to explore multiple solutions.

The first design iteration had a number of usability and accessibility issues which were pointed out by the participants of an unmoderated usability test carried out by users. The insights of the sessions confirmed the "Aesthetic Usability Effect", as well as "Jakobs Law".   It also revealed a number of missing steps in the flow.​These findings then guided the redesign, and restructuring of the project.

After several iterations, the wireframes were developed into high fidelity designs using accessible colours, easy to read and understand texts as well as content that aligned with the web content accessibility guidelines. You can interact with the prototypes below.