Easy
An application that concentrates all your important accounts in one place. From now on there are no missed reports and payments
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Project Overview
Challenge
The absence of a fast, modern, and user-friendly technological solution for tracking and paying various debts (parking fines, property taxes, police fines, etc.).
Currently, citizens wishing to check and pay various debts owed to authorities (such as parking fines, property taxes, and police fines) are required to contact each authority individually.
There is no centralized platform that allows for a convenient overview of all debts in one place, and payments must also be made separately to each respective entity.
Furthermore, a personalized portal for tracking the status of fines is lacking.
Solution
An app that consolidates all bills and fines in one centralized location
Goals
Debt management
Saving time and money for citizens.
Creating a tool that allows submitting appeals to the relevant authority directly from the mobile device
Notifying the debtor and sending reminders before any changes to their case via push notifications at specified time points (such as a warning before a lien or a final payment date).
Generating reports and statistics based on various filters.
Research
The research allows me to delve deeply into my understanding of users - not just their immediate frustrations,
but also their hopes, fears, abilities, limitations, reasoning, and goals. It lays the essential groundwork for creating solutions in later stages
Research Goals
Identifying the target audience
Understanding how the target audience currently makes payments
Assessing whether there is a desire and need for change
Target Audiences
First, I narrowed down my target audience:
People who own a car
People who own an apartment
People who rent an apartment"
User Interview
After identifying my target audience, I distributed a user survey, and 51 people responded
83%
Pay fines online
53%
Have missed paying a fine
60%
Missed paying because they were unaware of it
62%
Proactively pay utility bills (water, electricity, gas) for the apartment
77%
Forgot to pay or were late at least once
73%
Would be happy with the consolidation and accessibility of payments
Market Research
Based on the market research I conducted, it appears that there is still no app that consolidates all of these issues
in one place. For parking and property tax fines, some authorities have local apps through which payments can be made. However, after payment or appeal, there is no personal area for tracking.
Reviews in the app stores indicate that many users are dissatisfied with their experience. The electric company has an app for payments, but it is poorly rated and not well-maintained. For water companies, there are no apps at all—neither one that consolidates everything nor separate apps for each company.
Specification
Application Map
After defining the product goals and understanding which features it needs to include, I selected the four most important features to include in the navigation bar.
Me
Home
To pay
Paid
User Scenario
To decide what to design, identifying the main flow of users when completing a task helps me focus my design on specific pages. By creating task flows, I was able to think about the necessary steps and examine the user experience
in detail.
Below is the user process flow for Israel Israeli, who wishes to pay several bills at once
Home
Pay together
Select an invoice for payment
Municipal fine details
To pay
Water bill details
Pay
Property tax bill details
Pay
Gas bill details
Pay
Payment details
Fill in payment details
Pay
Payment confirmation
Share
Pay
Screen
sub screen
feature
Design
Style Guide
I further developed the app's visual style by creating a color palette based on deep blues that convey reliability and innovation, along with typography and buttons to guide the later design of the user interface
Flow
New user registration process
Several important functions to enhance the user experience and prevent frustration:
No need to remember a username and password—users can sign up via Google or Facebook
At the beginning of the registration process, an explanation of the app's purpose is provided
Option to go back at any point during registration
Ability to skip steps if information is not available
Option to add multiple payment accounts (such as different addresses or vehicles)
Home Page
I chose to display recent activities on the home page, with a brief summary for each action, providing the user with a quick overview of their current status
Quick search option
Notifications
An indicator will appear when there is a new message
Due date
Changes to red as the deadline approaches
Marked with a checkmark when paid
Categorize bill types by color
Invoice issuer
Bills that have been paid
When filtering by month, the default is set to the current month
Budget pie chart to understand bill amounts
Option to export as a file
Option to filter by invoice type
After selecting a type
or when scrolling,
the opening bar minimizes to enhance the display.
After selecting a type
or scrolling,
the opening bar minimizes to enhance the display
To Pay
Option to filter by most recently received or urgent bills for payment
You can pay multiple bills at once and streamline the process
A bill with an upcoming due date will be highlighted in red
A checkbox to select the bills for payment
A notification will also pop up when the due date is approaching
Wireframe
Sketches
After understanding the structure of the software I want to create and the process the user will go through,
I began sketching designs
Final Thoughts
The idea for this application was shared with me by a friend who had envisioned it for years and aspired to develop it into a fully functional app but was held back by a lack of funding.
When I set out to design the app, I treated it as a real product intended for development. I conducted interviews with many individuals who voiced their frustration with the overwhelming number of bills they receive—or worse, those they don’t receive, unknowingly allowing their debt to grow unchecked.
To determine which types of bills should be included in the app, I conducted thorough research into all existing bill types. I examined the differences in billing systems across cities, identified the authorities authorized to issue fines, and analyzed the standard recurring expenses for an average household, as well as typical payment habits.
This detailed research allowed me to create an app that is highly tailored to user needs. During the design phase, I prioritized simplicity and ease of use. I avoided unnecessary complexity or excessive steps, focusing instead on a design that is intuitive, clear, and convenient.
When I observed during user testing that people were able to register and pay effortlessly on their first attempt, I realized that the app’s seemingly “simple and unpretentious” design was, in fact, the strongest proof that I had achieved my goal.
