Mentamorph Money was an exploratory product concept investigating how behavioral design could help people build healthier financial habits.
While many personal finance tools focus primarily on budgeting and transaction tracking, this project explored how digital experiences could encourage reflection, awareness, and gradual behavior change.
The concept focused on designing a mobile experience that helps users better understand their financial patterns through simple daily interactions, visual feedback, and habit reinforcement. Rather than emphasizing restriction or rigid budgeting, the product aimed to support more mindful financial decision-making by making spending behavior easier to observe, interpret, and improve over time.
Role & Responsibilities
- Defining the core product concept and user experience
- Conducting research on financial behavior and habit formation
- Designing mobile interaction flows and visual system
- Creating prototypes to test engagement and usability
The Opportunity
Above all: Users could not complete the prototype. It had a 0% completion rate. Additionally, usability testing showed that the visual styling skewed too young.
This project explored how design could encourage reflection and habit formation through a game-like experience. It needed to be educational, but also fun.
The Challenge
- Designing interactions that encourage engagement rather than judgment
- Simplifying financial information without losing meaning
- Creating a visual language that feels motivating rather than overwhelming
Design Strategy
- Habit-driven design: Encourage consistent engagement through simple daily interactions
- Positive reinforcement: Use visual feedback and progress indicators to celebrate improvement
- Clear information hierarchy: Present financial data in ways that are easy to interpret at a glance
Key Experience Areas
- Daily Reflection: Encourage users to reflect on spending decisions through simple prompts
- Spending Visualization: Present financial activity through clear visual summaries
- Habit Reinforcement: Highlight progress and encourage consistent engagement over time
Outcomes
100% increase in task completion. Users responded positively to the reflective prompts and visual feedback, noting that the experience felt more encouraging and less judgmental than traditional budgeting tools. These results suggested that applying behavioral design principles could meaningfully improve engagement with personal finance products.
Prototype testing demonstrated a significant improvement in user engagement with key tasks. During usability sessions, participants were able to complete the primary reflection and tracking workflow at more than twice the rate of the initial design, representing
Reflection
This project explored the intersection of behavioral psychology and financial product design. It highlighted how thoughtful interaction design can influence long-term habits by encouraging reflection and positive reinforcement rather than focusing only on tracking or restriction. The work reinforced the importance of designing financial tools that support users emotionally as well as functionally.