Project 01
cogo.
An app that motivates people to save money for group travel.
financial crisis
Financial burdens have become an all too common problem for many Americans. Even more so with the various debts on the rise and the growing attitudes revolving around reckless spending. Spending is cool and saving isn't. How can we change that? More specifically, how can we encourage and motivate people to save money?
cogo
cogo is a trip planner for those looking to travel with friends. cogo takes advantage of social behaviors in order to promote a "savings competition".
01.
interviews
For these conversations I focused my questions around mid-term to long-term goals. Not goals within reach like rent or bills, but not anything too far off like retirement or 401k. What these three had in common was that they were currently saving or wanting to save for travel, or for some type of vacation.
Carmen, 25
Carmen works full time and lives with her boyfriend and dog. She mainly budgets by couponing and price matching whenever she shops. She is currently saving money for a trip to Colorado in the fall with her boyfriend.
Mike, 32
Mike is a single father and currently rents a one-bedroom apartment. The majority of his money goes towards his bills and paying child support. Mike does not have a savings account because he feels he can't afford to put much away with his current salary. He wants to eventually take a trip with his daughter, but doesn't have any plans due to financial constraints.
Joseph, 21
Joseph is a full time student and is attending an out-of-state internship during the summer. He is also planning on studying abroad the following semester. He's set a goal to have some money transfer into his savings every month so he doesn't even have to think about it.
Carmen, 25
Carmen works full time and lives with her boyfriend and dog. She mainly budgets by couponing and price matching whenever she shops. She is currently saving money for a trip to Colorado in the fall with her boyfriend.
Mike, 32
Mike is a single father and currently rents a one-bedroom apartment. The majority of his money goes towards his bills and paying child support. Mike does not have a savings account because he feels he can't afford to put much away with his current salary. He wants to eventually take a trip with his daughter, but doesn't have any plans due to financial constraints.
Joseph, 21
Joseph is a full time student and is attending an out-of-state internship during the summer. He is also planning on studying abroad the following semester. He's set a goal to have some money transfer into his savings every month so he doesn't even have to think about it.
02.
research
From there, I began to research how people travel. More specifically, how millennials travel. Based on this study by CWT Connected Traveler Study, I found that the majority of millennials travel with others. So, with this knowledge I asked — How can I use social behaviors to motivate people to save money?
58%
of millenials travel with others
43%
travel with colleagues
15%
travel with friends or family
03.
wireframes
There are two aspects of this app. One of them being how a trip is planned. It was important to organize all the questions accordingly, and that's where wireframes really helped lay out the foundation.
When doing initial testing with the wireframes, users really enjoyed the confirmation screen below. They loved the conversational aspect of it, so it inspired me to completely re-design the app to flow in this same structure.
04.
usability testing
User testing revealed a lot of insight from users and prompted various changes throughout the app.
Version 1
05.
final version
This micro interaction demonstrates how the trip planner goes through each question. Whenever the user is finished inputting information, the next question pops up automatically.
I also removed the buttons within the trip planner and used a slider window. Users found this easier in some cases since they could slide down from anywhere to go to the next screen.
When selecting how much you want to save, cogo gives recommended prices based on previous information entered.
06.
social savings
Viewing your trip allows to invite your friends, which then creates a leaderboard based on who is saving the most money. Tapping on a friend gives you the option to nudge them if they're not saving as much, or you can just directly message them. This is where you also add money to your fund, either one-time or recurring.
Notifications are also an important factor when motivating users to save money. The whole experience within the app is more conversational, so I wanted the notifications to be an extension of that. They're personalized to whichever destination they're saving for, and they give recommendations based on their friend's progress as well. It's also another way of motivating users outside of the app experience.
And once you're in your trip you're able to add money to your fund. I kept the experience as cohesive as possible with the trip planning flow, with windows that you can slide up and down.
07.
user flow