Nowal Finance
Nowal Finance
Designing clarity into everyday finance
Designing clarity into everyday finance
Nowal Finance is a personal finance management platform aimed at helping users track expenses, set budgets, and pay bills, all from one clean and intuitive mobile app. Alongside the user-facing app, I also designed an admin dashboard that offers clear financial insights and user behavior analytics, empowering the Nowal team to make data-driven decisions.
Client
Client
Nowal (Annete K. - Founder)
Nowal (Annete K. - Founder)
Service
Service
Product Design (Mobile App & Web Dashboard)
Product Design (Mobile App & Web Dashboard)
Industries
Industries
Fintech
Date
Date
May 2023
May 2023
Menu
Menu
OVERVIEW
Understanding the challenge
Managing finances across multiple bank accounts, subscriptions, and service providers can quickly become overwhelming. Users often rely on multiple apps or manual efforts to stay on top of their spending, budget goals, and upcoming bills.
The challenge was twofold:
1) Design a mobile app that allows users to track expenses, set flexible budget goals, upload and manage bills, and gain insights into their financial habits.
2) Design an admin dashboard to give Nowal’s team real-time access to user activity, bill payments, and engagement metrics, offering a full operational view.
The solution needed to be secure, human-friendly, and data-rich, without ever feeling overwhelming to the user.
Managing finances across multiple bank accounts, subscriptions, and service providers can quickly become overwhelming. Users often rely on multiple apps or manual efforts to stay on top of their spending, budget goals, and upcoming bills.
The challenge was twofold:
1) Design a mobile app that allows users to track expenses, set flexible budget goals, upload and manage bills, and gain insights into their financial habits.
2) Design an admin dashboard to give Nowal’s team real-time access to user activity, bill payments, and engagement metrics, offering a full operational view.
The solution needed to be secure, human-friendly, and data-rich, without ever feeling overwhelming to the user.
GOALS
Primary focus of efforts
Unified Financial Tracking
Unified Financial Tracking
Create a centralized platform where users can connect multiple bank accounts, view transactions, upload bills, and track all their financial activities, without jumping between apps or spreadsheets.
Create a centralized platform where users can connect multiple bank accounts, view transactions, upload bills, and track all their financial activities, without jumping between apps or spreadsheets.
Smarter Budgeting & Bill Management
Smarter Budgeting & Bill Management
Empower users to set personalized budget goals by category and timeframe (daily, weekly, monthly, etc.), monitor progress, and stay on top of bill payments with timely reminders and in-app payment features.
Empower users to set personalized budget goals by category and timeframe (daily, weekly, monthly, etc.), monitor progress, and stay on top of bill payments with timely reminders and in-app payment features.
Admin Insights & Oversight
Admin Insights & Oversight
Design a clean, data-driven dashboard for the Nowal team to monitor user behavior, analyze financial trends, view invoices, and collect feedback, supporting better decision-making and platform improvements.
Design a clean, data-driven dashboard for the Nowal team to monitor user behavior, analyze financial trends, view invoices, and collect feedback, supporting better decision-making and platform improvements.
The Home page of Nowal Finance acts as a personal finance snapshot, designed for simplicity and clarity. It features three key sections: My Cards, showing linked bank accounts and current month’s expenses; Upcoming Bills, surfacing due payments with the option to add new service providers; and Expenses, giving users quick visibility into their latest transactions. With friendly greetings, clear hierarchy, and minimal friction, the home page helps users stay financially aware, at a glance.
The Insights page empowers users with a clear view of their financial health. It highlights income vs. expenses, a category-wise spending chart, and a “Your Budget” section, all filterable by day, week, month, or year. Users can switch between bank accounts to compare patterns and set custom budget goals by category and timeframe. With visual feedback and intuitive filtering, the Insights page helps users make smarter financial decisions, not just track numbers.
The Bills page organizes all active and upcoming bills in one place. Users start by adding service providers—like Netflix, Apple, or Spotify, which unlocks categorized bill tracking under tabs like Subscriptions, Healthcare, or Shopping. The page clearly separates Unpaid Bills and Other Bills, with quick filters for time ranges like Today, This Week, or This Month. Designed for clarity and control, this page helps users stay on top of what’s due, before it’s overdue.
Paying bills through Nowal Finance is designed to be fast and frictionless. Tapping on any due bill brings up a clear popup with bill details and a “Pay Now” call-to-action. Users simply select their preferred bank account, confirm the payment, and it’s done. This smooth, in-app flow removes the need to jump between apps, making on-time payments easier than ever.
For bills outside connected service providers, users can add them manually using the “+” button on the tab bar. The flow allows entering a store name, bill date, and itemized products or services with amount and category. Once added, the app calculates the total and prompts the user to upload the bill, which then appears in the Bills section.
The Invoices page gives admins a clear, real-time view of billing activity across the platform. At the top, snapshot cards highlight paid vs. unpaid bills, total revenue, and late payments, with weekly comparison indicators. Below, a detailed table lists each bill with user info, billing dates, amounts, and reference numbers, along with actions to view or download bills. With smart filters and sorting options, the page makes it easy to track and manage financial records at scale.
The Analytics page delivers a high-level overview of platform performance and user behavior. It includes key metrics like total bills sent, average bill size, and preferred payment methods, all compared week-over-week. A dedicated Late Payments section visualizes trends in unpaid bills, interest collected, and average delay periods, while also tracking active interest payers. At the bottom, a feedback section surfaces real user input, giving the team actionable insights to improve the platform continuously.
Designing Nowal Finance was all about bringing clarity and confidence to personal money management. From crafting a clean, intuitive app for users to building a data-rich dashboard for admins, every decision aimed to simplify complexity without losing depth. This project challenged me to balance functionality with usability and proved how thoughtful design can turn everyday financial tasks into smooth, empowering experiences.
That's not everything, I've got more in locker!
That's not everything, I've got more in locker!
That's not everything, I've got more in locker!
That's not everything, I've got more in locker!
To learn more about this project, please open it on desktop view.