Money Tree Money Manager
A conceptual AI-powered financial advisor — replacing bank clerks with personalized, data-driven guidance.
The Problem & the Opportunity
Financial services moved online — but left users more confused than ever. People don't need another app. They need guidance they can actually trust.
Unprofessional representative
Poor Customer Service
Does't solve rich people problems
Does not support older or inscure population
Persona
Arnold Schwartz
Age: 52
Occupation: Senior Manager in a medical-tech department
Financial Background: Highly knowledgeable – manages investment portfolios, pension funds, and long-term savings
Core Values: Control, responsibility, long-term planning for his family and retirement
Problems
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Dependent on slow, unprofessional service reps.
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Wastes time explaining actions to agents who don’t understand financial terminology.
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Errors caused by incomplete or inaccurate service interactions.
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Frustrated that his financial expertise is blocked by outdated systems.
Needs
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A tool that gives him direct, immediate, and secure access to his financial actions.
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A complete and clear overview & transparency of his financial assets and accounts.
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A smart, self-managed system that matches his level of financial literacy – without needing intermediaries.
Empathy Map
Thinks
Waiting for service is a waste of time.
There is a lot of misunderstanding in the service.
Young clerks not always know how to solve problems.
Feels
Feels frustrated by long response time service.
Gets angry when inexperienced clerks gives service.
feels like he can teach the providers new info.
Does
Takes actions online.
Understand some actions must be done by a clerk.
Calling his agent.
Talks about improving customer experience.
Says there must be more options.
Managing resources efficiently.
Says
Research & Methods
Research focused on pain points in traditional financial services — revealing frustration with limited personalization, slow response times, and over-reliance on human agents.
Insights
Most financial apps leave users confused and passive. The opportunity: a system that feels approachable and guides users to act confidently.
Solution
An AI-driven assistant that centralizes all financial assets — offering personalized, proactive guidance with a friendly character designed for all ages.
Conclusions for Next Steps
Next: deepen AI learning from real-time behavior, expand testing with diverse user groups, and simulate real-life financial scenarios.
Mapped the full user flow to ensure a seamless onboarding and navigation experience.
.
Start
Welcome
Screen
Choose Registered Method
Enter
Details
Verification and
Security
Email Registration
Google Registration
Select
Method
Bank Account Registration
Enter
Details
Alerts
Management
Alerts
Management
Main
Dashboard
Calendar
Management
AI
Persona Chat
End
Connect
Financial
Accounts
Connect
Financial
Accounts
Wireframes
UI Design
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