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current•c Gabe Clapper / Melissa Cliver / Lesley Fleishman / Christina Payne / Elliott Williams




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current•c

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positioning statement Current-c is a mobile application on a dynamic card that receives financial information in context and displays personalized visualizations for the user to manage monetary spending.


money spent budget size where you are

where you should be

money remaining


current•c setup add accounts

create budgets

review

visualize

decide

buy

adjust budgets

budgets bottom line timeline correlation location

move money don’t buy

make payments payment options pay bills


pay automatically

trend analysis

move distribute income to budgets auto move

pay a bill

make a payment

complex forecasting

$ in buckets tradeoffs

current•c help me

consume & comprehend short term goals long term goals debt reduction

apply & analyze create & critique

fixed budget investments

plan

see


gps

credit card companies

current•c

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banks

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Research in the Market


methods Exploratory

Generative

Evaluative

Expert interviews

Journal studies

Paper prototyping

Market interviews

Co-design

Competitive Analysis

Scenario building

Look and feel evaluation

Peer frameworks

Concept validation

Value assessment


expert interviews “Understand your emotions at the moment of choice.�


“People play tricks with themselves when it comes to money...”


“I’ve gone through phases where I’ve tried to be more connected...”


visionary bdc^idg^c\

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“I can take out a zero interest credit card and invest the cash advance.”

risk taking


denier bdc^idg^c\

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“I’ll put it on my credit card and figure it out later.”

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compensator bdc^idg^c\

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“If I bike to work for a month, I’ll be able to afford those $300 shoes.

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engage with visual feedback


engage with visual feedback present meaningful personalized information


engage with visual feedback present meaningful personalized information provide small achievable steps


engage with visual feedback present meaningful personalized information provide small achievable steps transform routine to ritual


2.5 million new customers in the first year, 700,000 new checking accounts, 1 million new savings accounts.


20,000 new checking accounts so far, 60% new customers, $15 million break even cost in 2 years.


900,000 users, 5.5 million dollars in investment so far, tracks $50+ billion in assets & liabilities


Business Strategy


value and differentiation Users

Financial Partnership

Personalized, intuitive visualizations

Customer attraction & retention

Control with interactive interface

Deposit increases

Immediate feedback

Lower maintenance costs on Gen Y customers

Learning through action

Spending research for services

Knowledge before POS


business strategist

user experience/ design

Management Team

hardware

marketing

engineers

software

finance/ legal


breadth

Engineer

communicator trustworthy

forward thinking detail minded

depth

Business Strategist

depth

breadth

financial services

mobile device

on ra ti

int eg

ar e ha

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so

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an

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bring on board this year


critical actions Milestones

Tasks

Assumptions

Develop a prototype

Initial funding

Find an initial tester/ buyer

Assemble team

Interoperability of technology

Software infrastructure Beta testing

Aggregate partnership or Bank set-up

Access magnetic dynamic strip


Business Structure A & ROI current•c

5 year outlook: acquire 1 million customers (mint.com has 900,000 in 2 years) $50 one time device fee $10 content-based advertising click-through p/p


Business Structure B & ROI current•c

5 year outlook: sell to 5 banks $500,000 customization and set-up fee (PNC paid $15 million for Virtual Wallet) $2 p/p p/y licensing fee (PNC had 20,000 new accounts in 6 months)


prototype development costs (1 year) User Experience/Design

$350,000

Engineers (2)

$250,000

Business Strategist

$150,000

Legal

$25,000

Materials

$100,000

Incidentals

$25,000

Total

$900,000


current•c Gabe Clapper / Melissa Cliver / Lesley Fleishman / Christina Payne / Elliott Williams

Thank You!


current•c setup + review

visualize + decide + buy


current•c setup add accounts

your bank jhZg^Y/ eVhhldgY/


current•c setup add accounts

create budgets


current•c setup add accounts

review create budgets



adjust budgets

payday review ritual


current•c setup add accounts

create budgets

review

visualize

adjust budgets

budgets bottom line


current•c


move

see

current•c

plan


move

see pay a bill make a payment

$ in buckets

current•c help me

consume & comprehend

plan


trend analysis

move distribute income to budgets

pay a bill

make a payment

$ in buckets tradeoffs

current•c help me

consume & comprehend short term goals

see

apply & analyze

plan

fixed budget


“I would call my budgets wine, books and hair...”


“One step at a time is always the way... to get to any goal.”


“I make things my own to understand them, everyone is different...�


denier

compensator

“I don’t want to be mothered by the information.”

visionary


NAME

NAME

NAME clothing

$86 of $200 remaining

food padding

BUCKETS

BUCKETS

shoes gifts

GOALS

GOALS

coffee

SETTINGS

SETTINGS

NAME

move cash in

gifts

coffee adjust budget

BUCKETS GOALS SETTINGS

clothing

food

padding

gifts shoes

clothing

$150 of $200

shoes

padding

BUCKETS

SETTINGS

shoes

NAME

How much?

remaining

BUCKETS gifts food

food

view expenditures padding

$

GOALS

Move From?

clothing

GOALS

coffee clothing

Move

SETTINGS

food

view expenditures padding move cash in

shoes gifts

coffee

adjust budget

“I like how the budgets look bigger if there is more money...”

coffee


Current C financial management software and visualization tool  

This project is an overview of the design process starting with a question: "How will people learn when contextual awareness is used for lea...