Saviour Ekanem

Work

About Me

Work

About Me

LUMO

A next generation fintech app that reduces financial anxiety by pairing smart
analytics with emotion aware design.

A next generation fintech app that reduces financial anxiety by pairing

smart analytics with emotion aware design.

A next generation fintech app that reduces

financial anxiety by pairing smart analytics

with emotion aware design.

Project Overview

My Role: UX/UI Designer

Platform: Mobile

Timeline:3 Months

Timeline: 3 Months

PROBLEM

Traditional fintech apps treat money management as a purely logical activity, ignoring the

emotional and psychological realities of how people actually spend. As a result, users

feel judged, overwhelmed, and disconnected leading them to avoid the app instead of improving

their financial habits.

Traditional fintech apps treat money management as a purely logical

activity, ignoring the emotional and psychological realities of how people

actually spend. As a result, users feel judged, overwhelmed, and

disconnected leading them to avoid the app instead of improving their

financial habits.

Traditional fintech apps treat money

management as a purely logical activity,

ignoring the emotional and psychological

realities of how people actually spend. As a

result, users feel judged, overwhelmed, and

disconnected leading them to avoid the

app instead of improving their financial

habits.

PROBLEM STATEMENT

Users need a calm, emotional supportive way to manage their finances because existing fintech

apps prioritize efficiency and data over human psychology, causing anxiety, impulsive spending

and, long term disengagement.

Users need a calm, emotional supportive way to manage their finances

because existing fintech apps prioritize efficiency and data over human

psychology, causing anxiety, impulsive spending and, long term

disengagement.

Users need a calm, emotional supportive way

to manage their finances because existing

fintech apps prioritize efficiency and data

over human psychology, causing anxiety,

impulsive spending and, long term

disengagement.

KEY INSIGHTS

Users feel anxious when payment information is dense or unclear.

Fast checkout increase impulsive decisions.

Financial products require higher trust and reassurance.

Users feel anxious when payment information

is dense or unclear.

Fast checkout increase impulsive decisions.

Financial products require higher trust and

reassurance.

DESIGN DECISION

I reduce cognitive load through deliberate user of visual hierarchy, spacing, and scannability.

Considering user pain points around financial anxiety and impulsive behavior, I streamlined

the checkout flow while introducing intentional friction to slow down decision making and

increase user confidence during payment.

I reduce cognitive load through deliberate user of visual hierarchy,

spacing, and scannability. Considering user pain points around financial

anxiety and impulsive behavior, I streamlined the checkout flow while

introducing intentional friction to slow down decision making and

increase user confidence during payment.

I reduce cognitive load through deliberate

user of visual hierarchy, spacing, and

scannability. Considering user pain points

around financial anxiety and impulsive

behavior, I streamlined the checkout flow

while introducing intentional friction to slow

down decision making and increase user

confidence during payment.

SOLUTION

Smart Cash Flow Assistant

A context aware AI assistant that analyzes spending patterns and emotional signals to support

confident financial decision making.

A context aware AI assistant that analyzes spending patterns and

emotional signals to support confident financial decision making.

A context aware AI assistant that analyzes

spending patterns and emotional signals

to support confident financial decision

making.

Simplified Financial Summary

Income, expenses, and upcoming obligations are summarized clearly, avoiding complex graphs

that contribute to cognitive overload.

Income, expenses, and upcoming obligations are summarized clearly,

avoiding complex graphs that contribute to cognitive overload.

Income, expenses, and upcoming obligations

are summarized clearly, avoiding complex

graphs that contribute to cognitive overload.

Anxiety Reducing Interface

A bright, minimal visual design helps lower cognitive load and makes financial review feel less

intimidating.

A bright, minimal visual design helps lower cognitive load and makes

financial review feel less intimidating.

A bright, minimal visual design helps lower

cognitive load and makes financial review

feel less intimidating.

Anxiety Reducing Interface

Users are alerted early when expenses are likely to affect cash flow, with suggestions for small

adjustments before issues arise.

Users are alerted early when expenses are likely to affect cash flow, with

suggestions for small adjustments before issues arise.

Users are alerted early when expenses are

likely to affect cash flow, with suggestions

for small adjustments before issues arise.

WIREFRAME

I explored multiple wireframes layouts to evaluate different information hierarchies and checkout

flows. Each iteration focused on reducing cognitive load while balancing speed and

reassurance. Through iteration. I identified a layout that provided clarity around payment

details while intentionally slowing down high risk actions.

I explored multiple wireframes layouts to evaluate different information

hierarchies and checkout flows. Each iteration focused on reducing

cognitive load while balancing speed and reassurance. Through iteration.

I identified a layout that provided clarity around payment details while

intentionally slowing down high risk actions.

I explored multiple wireframes layouts to

evaluate different information hierarchies and

checkout flows. Each iteration focused on

reducing cognitive load while balancing speed

and reassurance. Through iteration.

I identified a layout that provided clarity

around payment details while intentionally

slowing down high risk actions.

USER RESEARCH

Poor Customer Services

Users often struggle to reach human support, facing long hold times, scripted bots, phone trees,

or redirects to unhelpful FAQs. Many apps lack live chat or emergency lines, leaving users

frustrated during urgent issues like blocked transactions.

Users often struggle to reach human support, facing long hold times,

scripted bots, phone trees, or redirects to unhelpful FAQs. Many apps

lack live chat or emergency lines, leaving users frustrated during urgent

issues like blocked transactions.

Users often struggle to reach human support,

facing long hold times, scripted bots, phone

trees, or redirects to unhelpful FAQs. Many

apps lack live chat or emergency lines,

leaving users frustrated during urgent

issues like blocked transactions.

Complicated User Interface and Onboarding

Apps overwhelm with too many stops, and confusing KYC processes, repetitive verifications,

or clunky navigation. New users drop off during sign up, and everyday tasks (like checking

balances or transferring money) feel friction heavy.

Apps overwhelm with too many stops, and confusing KYC processes,

repetitive verifications, or clunky navigation. New users drop off during

money) feel friction heavy.

Apps overwhelm with too many stops, and

confusing KYC processes, repetitive

verifications, or clunky navigation. New users

drop off during sign up, and everyday tasks

(like checking balances or transferring

money) feel friction heavy.

Lack of Transparency and Trust

Partnering with backend banks create confusion over who's responsible for issues. Users worry

about funds not being fully protected or app misusing data, eroding trust compared to

traditional banks.

Partnering with backend banks create confusion over who's responsible

for issues. Users worry about funds not being fully protected or app

misusing data, eroding trust compared to traditional banks.

Partnering with backend banks create

confusion over who's responsible for issues.

Users worry about funds not being fully

protected or app misusing data, eroding

trust compared to traditional banks.

Delays in Transactions or Withdrawals

Transfers, deposits or withdrawals face artificial delays ( e.g maintenance or review holds) even

for verified users. This prove especially problematic for time sensitive payments like rent.

Transfers, deposits or withdrawals face artificial delays ( e.g maintenance

or review holds) even for verified users. This prove especially problematic

for time sensitive payments like rent.

Transfers, deposits or withdrawals face

artificial delays ( e.g maintenance or review

holds) even for verified users. This prove

especially problematic for time sensitive

payments like rent.

Hidden or Unclear Fees

Complaints focus on unexpected charges for transfers, subscriptions, in instant deposits, or

inactivity. Users feel misled by "free" services that later introduce costs, especially in buy now

pay later or premium features.

Complaints focus on unexpected charges for transfers, subscriptions, in

instant deposits, or inactivity. Users feel misled by "free" services that

later introduce costs, especially in buy now pay later or premium features.

Complaints focus on unexpected charges for

transfers, subscriptions, in instant deposits, or

inactivity. Users feel misled by "free" services

that later introduce costs, especially in buy

now pay later or premium features.

EXPECTED IMPACT

The design reduces checkout anxiety and builds user confidence by introducing intentional

friction at critical moments in the payment flow, helps users make more considered financial

decisions.

The design reduces checkout anxiety and builds user confidence by

introducing intentional friction at critical moments in the payment flow,

helps users make more considered financial decisions.

The design reduces checkout anxiety and

builds user confidence by introducing

intentional friction at critical moments in

the payment flow, helps users make more

considered financial decisions.

REFLECTION

With more time, I would validate the friction points through usability testing and measure

completion rates versus user confidence.

With more time, I would validate the friction points through usability testing

and measure completion rates versus user confidence.

With more time, I would validate the friction

points through usability testing and measure

completion rates versus user confidence.