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#Neo-bank App

EzPay

AI-Powered Personal Finance for Smarter Savings & Flexible EMI Management

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#MY ROLE

UI/UX Designer

#INDUSTRY

Fintech

#DURATION

2 weeks

#DATE

09th Feb 2026

ABOUT

A brief about what EzPay

EzPay is a personal finance app designed to help users save money intelligently by using AI-driven financial planning. The feature focuses on helping users achieve financial goals without compromising essential living expenses.

User Story

Taman's story reflected a broader issue—users struggled to keep track of their EMIs while also finding it difficult to save consistently for future goals.

PROBLEM

ABOUT

Given what Taman was facing, let's split the problem into two concise sections

A brief about what EzPay is

Problem 1

Users struggle to understand and manage their EMI repayments due to a lack of transparency and payment flexibility.

Problem 2

Users don't know how much they can realistically save after spending and covering their essential monthly expenses.

User Story

Taman's story reflected a broader issue—users struggled to keep track of their EMIs while also finding it difficult to save consistently for future goals.

PROBLEM

Given what Taman was facing, let's split the problem into two concise sections

Slow Return Initiation

Return requests took an average of 7–10 days to be initiated due to manual coordination and inconsistent workflows.

Workflow Confusion

Different return types followed different processes, making it difficult for teams to know the correct steps and causing delays and errors.

Incorrect Submission Rate

Around 10–12% of return requests were unsuccessful or duplicated. Due to this each returns need to be revalidated.

RESEARCH DETAILS

Now let's conduct a primary and secondary research around this problem

Primary Research

I have taken 5 people ( friends and colleagues ) working in different fields to see if they also suffer the same issue and what else are they facing. From their interviews we narrowed down to 4 major issues.

Findings after User Interviews

Secondary Research

To understand how users currently manage their finances, I studied leading fintech applications and existing digital banking experiences. The goal was to identify common patterns, understand user expectations, and uncover gaps that could improve savings and EMI management.

What I Explored

Existing fintech apps and banking experiences

EMI tracking and repayment workflows

Goal-based savings journeys

Reward systems to encourage financial habits

User expectations for an all-in-one finance app

What I Found

Users struggle to track individual EMI purchases.

Savings features lack personalized guidance.

Rewards focus more on spending than saving.

Existing apps prioritize transactions over financial planning.

Repayment options offer limited flexibility.

SOLUTION

Here is where I designed EzPay

EzPay revolves around two connected experiences that improve financial visibility and encourage smarter money management.

Solution 1 - AI Smart Deposit

I introduced AI Smart Deposit, which analyzes the user's monthly income and spending patterns to recommend a realistic savings amount, suitable deposit plan, and achievable timeline based on their financial goals.

Solution 2 - Flexible EMI Management

I designed a Flexible EMI Management system that lets users choose which EMIs to pay immediately and defer the remaining balance. The app provides a clear EMI breakdown, tracks paid and pending payments, and sends reminders before the due date to ensure timely repayment.