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Strom is an AI-powered neobank concept. It reduces financial overwhelm by taking work off people at three moments where banking apps create the most effort: a crowded home screen, forgotten subscriptions, and spending categories people stop trusting.
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| Role | Solo product designer, from research through to high-fidelity UI |
|---|---|
| Timeline | 1 month, concept project |
| Methods | Secondary research, benchmark of 5 banking apps, JTBD, opportunity mapping |
| Deliverables | IA, 3 user flows, 12 wireframes, 12 high-fidelity screens, clickable prototype, case study |
| Links | Case study and prototype · Figma file · FigJam research board |
Banking apps keep adding features: budgeting, subscriptions, investments, cashback, insurance, savings. Each one adds value on its own, but together they make the app harder to use. The few things people open it for get buried, recurring payments slip by, and spending insights are only as good as the categories behind them.
I focused on three problems instead of redesigning a whole bank.
| Problem | Evidence | Solution |
|---|---|---|
| Feature overload makes simple tasks harder | 77% of mobile banking users surveyed struggled with their apps, mostly with navigation and jargon | Adaptive home: one insight at a time, quick actions ranked by use, an "Adapted to you" label, pin, reset and an off switch |
| Subscriptions get noticed too late | 26% of UK adults signed up to a subscription by accident within a year (Citizens Advice) | Pre-renewal decisions: flags only unused, duplicate or pricier services, 3 days before the charge, with keep, remind and cancel as equal choices |
| Wrong categories make insights unreliable | 39% of payments got the wrong category from a typical engine in a test of 5 million transactions (MX benchmark, vendor-run) | Explainable categories: asks when unsure, shows the reason and a confidence label, turns one correction into a visible rule |
How might AI take work off people in their banking app, without taking control away from them?
Scope. In: home personalisation, subscriptions, categorisation. Out: full neobank redesign, investments, transfers, savings, onboarding and KYC, card management.