Santander - KiTTi
Santander brought the concept of the “money pot” to the digital age. The idea is quite simple: create a pot, put money in, and spend it with your friends. This makes group spending safer, easier and faster.
Our agency, Nimbletank, partnered with Santander, and our team was commissioned to add new features and revamp existing ones to increase user engagement. The integration needed to maintain the "money pot" scenario with an informal tone of voice, and ease of use. The integration was to be seamless, and to not appear typical of a banking app, while maintaining confidence in security required in the financial sector.
SKILLSResearch, personas, information architecture, user flows, sitemap, sketches, wireframes, testing, digital prototyping.
We reviewed other apps to see how they approach the same subject. In many cases, the apps were to share / split costs. KiTTi is unique for it's money pot concept. Having to integrate the 2 concepts of money pot and a bank was challenging so we approached the concept via a different angle. We expanded beyond that field and looked into apps offering social interaction such as Split Share, Splitwise, iExpense diary or IOU.
With a better understanding of the competitors in mind, we analyzed the KiTTi app features and services as well as its competitors. This helps to define key features or services to challenge in the next step. Here is an example of the feature analysis we have performed.
Create group / account
View groups / accounts
View activity / summary
Add a comment
Export activity / summary
To design the right solution, we needed to understand both the prospective organizer or participant. We interviewed 18 people in 3 days representing the audience. We wanted to find out how they are managing a group money scenario, what works for them and what they are dreading the most. We then presented the KiTTi app, let them play with it, and collected their impressions.
- Interviewees over 30 years old expressed more concerns over the transaction fee.
- Interviewees felt reassured that the app was operated by a bank.
- Group lead interviewee expressed that the most uncomfortable moment was chasing people for money and a nudging feature was a good approach.
With the rich information gathered from the interviews, we created a few personas, but settled with 3 representative users. Meet Andy, who prefers participating, Jenny, organizer at heart and Clare, Supermom managing her 3 kids' extra activities.
To create a better experience for the organizer and the participant, we drew the current user flow and site map. We did several iterations, with the intent that it will enhance the experience for both. This user flow and journey focused on Jenny, who is looking to create a new KiTTi for sharing house bills with her sister and their respective partners.
Drawing the existing site map to embed our solution was the natural approach. We used the original structure and added functions to the existing hierarchy without intrusion.
2. Ideation & Design
We did over 10 sketching session during the course of the project. Each session focused on a user flow, with 9 user flows to deliver for the launch. We completed up to 7 iterations for some designs. After days of sketching, we completed our iterations focused on onboarding, a participant leaving a KiTTi, an Owner closing a KiTTi, Sharing and Commenting with the group or Redeeming a promo code to name a few.
3. User Testing
Paper or digital, we tested our prototypes after each iteration. We challenged our design with 12 people, including some of the interviewees. We did 5 rounds of testing and 6 iterations, first on paper, then on clickable digital versions.
The first batches of testing was to challenge the functionality flaws, the experience flow and the tone of voice. It also helped verifying if our solution was embedded seamlessly. The testing focus was to introduce category tagging when creating a KiTTi.
- Users liked scrolling through the categories.
- Users felt that the name of the KiTTi and the category sections were far apart, disjoined.
- Having both amounts in the jar and the category icon made it cluttered.
- Users found the picture icon too small.
The flow was right but the tone of voice needed some work. We changed the verbiage to make it more welcoming and challenged it along with the iconography and placement of navigation elements.
- Replacing the additional icons with arrows removed the fun element.
- Users found the KiTTi name being closer to the category much more clear.
- Users found the information on the jar with no category icon to be much apparent.
- Users like the category icon but some still had problems to see it.
For this round of testing, we wanted to verify the color scheme, the iconography and the micro interactions to appeal to both organizer and participants.
We removed the arrows and put the category icons further apart to give some breathing space.
Users liked seeing the color, KiTTi name and icon combined in one section.
Users liked the simplicity of the jar and the additional features hidden under the blue “plus“ sign.
We removed picture or category icon to keep a clean and uncluttered feeling.
We took the client’s BETA MVP code and worked with customers to transform the product into a CVP, a Commercially Viable Product, that is engaging and easy to use, in harmony across Android and iOS. We accelerated the product development substantially to achieve velocity,
and regular feature-packed releases. Ultimately, this meant creating more mobile moments that matter to our audience. Our solution was all about making life and group money easier. Next steps, new features and functionality integrations.
Release cycle improvement.
Rise in users over the first 4 months of the launch.
Jump in monthly average transaction value.
Uplift in processed transactions.
The team gets FinTech, business, brands, customers and technology. Thanks to them, we have an innovative strong brand, product and business.Ben Green, CEO and co-founder, KiTTi Ltd
The experience our mobile-first service delivers to customers has been enhanced significantly. There have been measurable jumps in customer engagement and commercial metrics across acquisition, retention and monetarisation.Samuel Nixon, COO and co-founder, KiTTi Ltd