Square it

Square it is an app idea that is used for splitting payments and settling debts, aimed to be used by groups consisting of more than two people. Primarily targeted at small-medium communities, like shared housing. As well as small parties, like a group of friends eating out or splitting a cab.

Users will have to log in with their bank details, this will come in handy when displaying and tracking their expenses on the platform.

Introducing groups

Groups are used for irregular payments between a group of people, this feature is often used when paying for a one-time thing. Perhaps after seeing a movie at the cinema, a cab ride or anything you can think of.
Easily see how much you owe and see who has paid in the group. Pay your share in one tap. Regardless of your bank, it's that easy.

Introducing Communities

Communities are used for regular payments monthly or weekly between a group of people. This feature is mainly targeted at monthly bills. Such as rent, electricity or gas. You as a community have full control over how much you pay individually and when you pay. The money will be transferd automatically to your recipients, so you don't have to worry.

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Easily create groups and communities, and add your members. Easily adjust your group or community to your needs.

We will keep you updated

Easily keep track of your money by seeing when you get added to groups and communities, additionally see when money is going out of your bank account, and see when money is coming in.

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Design process

1

Discovery

The roots of the idea

This idea started during my first year of university, where my flatmate and I found it unfair that everyone in our shared household paid different amounts for communal items, this was not a fair solution to us, because in our mind a community should consist of a group of people who contributes equally. We realized that this mindset and idea could apply to different areas where people struggle from a day to day basis. We concluded that we could apply this to bills and debts as well. Thus, our idea of “square it” was born, a platform where equality, transparency, and community stood in the center of our design and ethos.

The challenge

Create a platform targeted at small-medium communities, like shared housing and small parties to help them with setteling debts, and present them an easy way to automate monthly bills like rent or eletricity. 
The platform will need to have access to users bank details for quick and easy bank transfers.
This fact will make it even more crucial to stay true to our design guidelines (equality, transparency, and community) throughout the design process.

2

Definition

Persona

This persona is based on my flatmates in my household, and how the added stress of overseeing the bills of any given household could add a lot of unnecessary stress. More importantly, this persona will help me to understand what my users experience in a broader view. 

Empathy map

Empathy map gives us an insight into what our users say, thinks, does and feels. It is a snapshot of how our user experiences the problem I am trying to solve, by grouping post-it notes we can get an overview of what kind of problem the user might encounter the most. More importantly, it gives us valuable user insight. This insight will be in the back of my mind throughout my design decisions. 

User insight 

At this stage I have gotten to know my most common user, at this stage I try to dig deeper and sum up my user`s main concerns she is encountering during her day to day life, but more importantly I try to figure out a creative solution for her problems. 

This is what i know about my user 

Thea is under a lot of stress because of the pressure of being the lead tenant. She feels alone in her shared household when it comes to paying expenses, to make matter worse she always forgets who has paid their share and when, but she hates asking her mates if they have paid because she is shy and find it hard to ask about money. In addition to this, she is on a tight budget. It is therefore essential that she gets her money back on time.

overall pain 

After getting to know Thea, I have concluded that these are her overall obstacles in her daily life.

She feels overwhelmed 

Thea feels like the pressure of being a student is more than enough for her. She finds that she is alone when it comes to paying the bills in the house. It is essential that she gets her money back because of her student budget.

She would like an easy way to track her expenses 

She is struggling to remember who have paid their share of the bills. She would like to have a notification saying that money has been transferred to her account.

reliving pain with design thinking