Designing a financial wellness ecosystem through behavioral finance and AI
As Senior Product Designer at Onuu, I designed key financial experiences including Credit Card, Net Worth, Transfers, Deposit Check, and Financial Security Score. From discovery and validation to implementation, I helped shape product flows, design system foundations, and AI-assisted financial guidance for users building financial stability.
About Onuu
Onuu was a financial wellness platform created to help people improve access to financial tools, build healthier money habits, and make better financial decisions over time.
The product combined banking, budgeting, savings, credit education, insurance, and personalized guidance into a single ecosystem designed for financial inclusion.
The challenge
Many users were trying to improve their financial lives but lacked clear, personalized, and trustworthy guidance.
Financial products can feel fragmented: credit lives in one place, savings in another, insurance somewhere else, and financial education often feels disconnected from real-life decisions.
The design challenge was:
How might we help users understand their financial situation, take action, and build confidence through one connected financial wellness experience?
My role
As Senior Product Designer, I worked across multiple core product areas, from early discovery to implementation-ready designs.
I collaborated with product, engineering, leadership, and research partners to define user flows, validate product concepts, create high-fidelity screens, and contribute to scalable design foundations.
I contributed to:
- Credit card experience
- Net Worth experience
- Transfers
- Deposit Check
- Financial Security Score
- AI financial companion concept
- Behavioral finance guidance
- Design system foundations
- User flows, prototypes, and implementation handoff
Key challenges
- Design financial tools for users with different levels of financial literacy
- Make complex concepts like net worth, credit, and financial health easier to understand
- Create guidance that felt personal without feeling overwhelming
- Build trust across sensitive financial moments
- Connect multiple financial products into one cohesive ecosystem
- Support scalable product foundations for future growth
Project goals
- Improve financial literacy and user confidence
- Help users understand their financial security
- Simplify complex financial concepts
- Encourage healthier financial habits
- Create actionable and personalized guidance
- Build reusable UX patterns across product areas
- Support a more connected financial wellness ecosystem
Design approach
Designing for clarity, trust, and long-term behavior change
Onuu was not only about helping users complete financial tasks. It was about helping them understand their money, feel less intimidated, and make better decisions over time.
My approach focused on making financial information feel simple, supportive, and actionable — using clear UX, behavioral finance principles, and personalized guidance.
Core product areas
Credit Card
Designed credit card experiences that helped users understand card access, usage, and financial responsibility in a clearer way.
Goal: Make credit feel less intimidating and more connected to long-term financial progress.
Net Worth
Worked on experiences that helped users see a broader picture of their financial life by connecting assets, liabilities, and progress over time.
Goal: Help users understand where they stand financially and what they can improve.
Transfers
Designed money movement flows focused on clarity, trust, and confirmation.
Goal: Make transfers feel simple, predictable, and secure.
Deposit Check
Created flows to support mobile check deposit, including capture, review, confirmation, and status states.
Goal: Reduce uncertainty during a sensitive financial action.
Financial Security Score
Designed a score-based experience to help users understand their financial health through a simple, visual framework.
Goal: Turn complex financial information into something users could understand and act on.
Designing Candy: an AI-powered financial companion
Candy was designed as a financial companion that could guide users through money decisions in a more personal and supportive way.
Instead of presenting financial education as static content, Candy translated insights into conversational, contextual guidance.
Candy helped users:
- Understand their financial security score
- Receive personalized money tips
- Learn how to improve financial habits
- Get nudges based on behavior and financial context
- Understand complex financial concepts in simpler language
- Feel supported instead of judged
The design challenge was to make AI feel useful, trustworthy, and human — without making the experience feel gimmicky or overwhelming.
Financial Security Score
The challenge
Users needed a simple way to understand how they were doing financially, but financial health is usually made up of many different signals: income, savings, credit, debt, insurance, and habits.
The solution
We created a Financial Security Score to summarize financial wellness in a way that felt visual, simple, and actionable.
The score helped users understand their current status and gave them direction on what to improve next.
The experience focused on:
- Clear score visualization
- Simple explanation of what the score meant
- Actionable recommendations
- Progress over time
- Personalized financial guidance
Building scalable foundations
Because Onuu had multiple financial products inside one ecosystem, consistency was essential.
I contributed to design system foundations and reusable UX patterns that helped the team create a more unified product experience.
This included components, flows, states, content patterns, and visual consistency across different financial tools.
The goal was to reduce product fragmentation and make the ecosystem feel connected.
User experience principles
Make finance feel understandable
Use simple language, progressive disclosure, and clear visual hierarchy to help users understand financial concepts without feeling overwhelmed.
Build trust through transparency
Show what is happening, why it matters, and what the user can expect next.
Turn data into guidance
Financial information should not only be displayed. It should help users make better decisions.
Support emotional confidence
Money can be stressful. The experience needed to feel calm, supportive, and non-judgmental.
Outcomes
Designed core financial experiences
Created product flows across Credit Card, Net Worth, Transfers, Deposit Check, and Financial Security Score.
Helped shape an AI-assisted financial guidance experience
Designed Candy, an AI-powered financial companion concept that translated financial insights into personalized and conversational guidance.
Improved clarity around financial wellness
Helped make complex financial topics easier to understand through visual frameworks, simple language, and guided recommendations.
Built scalable product foundations
Contributed to reusable design patterns and system foundations that supported consistency across Onuu’s financial ecosystem.
Supported product validation and implementation
Worked from discovery and validation through high-fidelity design and implementation handoff.
Connected multiple financial tools into one ecosystem
Helped create a more cohesive experience across banking, credit, net worth, transfers, and financial guidance.
Key learnings
Financial wellness is emotional
Users do not only need information. They need reassurance, clarity, and a sense that progress is possible.
AI is strongest when it reduces complexity
Candy worked best as a guide — helping users understand what mattered, what to do next, and why.
Trust needs to be built into every detail
In financial products, every confirmation, empty state, explanation, and recommendation affects user confidence.
Scalable design systems make complex ecosystems easier to grow
When a product has many financial tools, reusable patterns help create consistency and reduce confusion.
