Design the bill management experience in the Zip app
The bills calendar is a feature that helps Zip customers automate bills management and optimise bill spending with Zip’s payment options. I led the end to end design process from discovery to design and delivery.
My Role
Design lead
Key Stakeholder
Product manager
Engineering team
Product marketing team
Broader stakeholders
The business challenge
I was working on Pocketbook, the budgeting app Zip Co owns, when I learnt about the company’s decision to shut it down. The product maintenance cost was high and the company was getting comparable value in return. Meanwhile, Zip has been exploring opportunities to extend its value proposition from ‘Buy Now Pay Later’ to broader money management. The company was seeking to increase its revenue from new spend categories.
Empathise and identify opportunities
Who. What. How.
Research method
Concept voting
The track tab has been present in Pocketbook since its initial launch. The redesign aims to declutter data visualisation and make it more intuitive and versatile in catering to various time frames. Additionally, it aims to improve the information hierarchy and provide better navigation and visual distinction between the main budget and category budgets.
Key findings
Zip bills users smooth cash flow. Creating the context . Bringing that value to the forefront. Zip has their back.
Journey mapping
Competitive research
How bill management are done in other apps?
Align customer problem with business goals
Using Lean UX canvas
Creating hypothesis
The value, feeling in control of their bills and have a peace of mind knowing Zip has their back when they need.
Automatically mark upcoming bills on an intuitive calendar interface
Show how much money they need to have to cater for bills.
Recommend bills that can be paid with Zip to smooth cash flow.
Less is more
Rigorously define MVP
Simplifying calendar interaction
Shortern shipping time
Share some calendar interaction and UI rationale
More is more
Onboarding
Linking the bank account the customer used to pay bills to the Zip app is an essential step required for the bills calendar to predict upcoming bills. However, we’ve learnt from Pocketbook and the user testing that this step will be a major drop off point during the onboarding process. The customers are concerned about giving away their bank login credentials especially when they don’t understand how the feature works. They were looking for more detailed explanation.
Quote Jacob:
rarely
This is one of those rare scenarios. iterate onboarding screen
Give value to receive it
We want customers to engage bills calendar on a regular basis, feel their bills are well managed so that when they need to spread the cost of a bills, Zip will become their first payment choice.
Deliver value early
The tally screen.
Bill insight
Show the new journey map and emphasise the opportunity in the auto pilot phase
Highlight challenge with creating leads into Zip Bills to drive TTV.
Workshop screen?
How we can address multiple opportunities with one new page. bills insight