Wanup — Fintech for Millennials and Generation Z

1. RESEARCH

  • Users: their frustrations, motivations and characteristics in general. The differences between the two generations
  • The context: banking situation after the pandemic and other financial factors
  • Fintech companies: what are they and what do they offer users, what to improve

DESK RESEARCH

  • Generation Z (from 2000 until now), have lived through the crisis since their childhood and are used to a climate of “pessimism.” They have naturalized this horizon of expectations and adopt a more pragmatic attitude.
  • Millennials (1980–1999) consider themselves dreamers but fighters: the crisis hit them at the very moment of forging their dreams and now they have to fight with the messages of pessimism from society. They live a moment of greater frustration of dreams, job expectations, life experiences …
  • Globalization: borderless communications have led to a more homogeneous world
  • The “disbelief” of everything institutional, trust in public institutions is non-existent
  • Job insecurity, due to poor working conditions in Spain, promote the so-called “economy of uncertainty”
Context of the banking sector in Spain

BENCHMARKING

BEST PRACTICES

INTERVIEWS AND SURVEYS

2. IDEATION AND CONCEPTUALIZATION

User Persona, empathy map and user journey

Personas Map
Empathy Map

Value proposal

  • Create groups with friends or acquaintances where to manage common expenses (travel, flat, gifts …) using any type of currency.
  • Help them save, through different saving methods such as rounding, withholding, …
  • Being able to access a selection of cashback called “rewards”, and earn extra money.
  • To be able to access and participate in different types of crowfunding projects.
  • To be attended in a chat with real people (not chatbots) who attend them 24/7.
  • And all this without ties, without commissions and 100% mobile.

3. INFORMATION ARCHITECTURE

Create a savings account bank.
Create a group
Use rewards (cashback)

4. PROTOTYPING

CASH FLOW AND SAVINGS
GROUP FLOW
REWARD FLOW
GROUPS FLOW
MY MOVEMENTS FLOW
FLOW EXPERIENCES

MOCKUP

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