Grow
Project
App Design
Year:
2026
Role:
UX/UI Designer
A banking app for teenagers designed to teach smart money management – how to save, plan a budget, and understand basic banking concepts. The app prepares users for real life in a friendly, innovative, and accessible way.
01 THE CHALLENGE
Most teenagers do not receive proper guidance about money management, either at home or at school. They tend to spend small amounts easily, save only when the amount is large, and rarely track their expenses in a structured way. Many want to be more financially independent and less dependent on their parents, but lack simple tools and knowledge for managing money, budgeting, and saving.
01 THE CHALLENGE
Most teenagers do not receive proper guidance about money management, either at home or at school. They tend to spend small amounts easily, save only when the amount is large, and rarely track their expenses in a structured way. Many want to be more financially independent and less dependent on their parents, but lack simple tools and knowledge for managing money, budgeting, and saving.
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Most teenagers do not receive structured guidance on saving, budgeting, interest, and expenses, either at home or at school, which leads to unwise financial decisions and sometimes habits that can create difficulties later on. Additionally, most existing banking services are designed for adults and are not tailored to the needs and language of young users, reducing their motivation to explore the world of money, understand financial concepts, and actively learn money management.
02 THE PROBLEM
03 RESEARCH
Most teenagers do not receive proper guidance about money management, either at home or at school. They tend to spend small amounts easily, save only when the amount is large, and rarely track their expenses in a structured way. Many want to be more financially independent and less dependent on their parents, but lack simple tools and knowledge for managing money, budgeting, and saving.
hard to manage money
65%
They spent a large amount of money and regretted it
80%
Half of households don’t talk about money
47%
Teens don’t know how much money they have in
Teenagers receive cash
They save large amounts of money
75%
50%
25%
Competitor Research Israeli Banks
Financial education apps for children and teenagers provide an interactive and playful way to learn about money. They include challenges, videos, quizzes, and financial tasks for the child to complete, while parents can track progress and assign tasks. Some apps allow parents and children to open accounts with digital and physical cards for use and top-ups, offering monitoring of savings, expenses, payments, and allowance. Through these platforms, children are exposed to financial concepts, can set savings goals, and track their progress, while parents can send money and receive notifications about their child’s activity
Researching competitorsfor youth apps
In Israel, all major banks offer youth accounts with similar benefits. Bank Hapoalim, Bank Discount, Bank Leumi, and Mizrahi Tefahot Bank provide youth accounts starting from ages 14-16, with no management fees, basic transaction exemptions, a debit card, and withdrawal limits.
04 Research conclusions
Lack of an age-appropriateuser experience
Most existing banking services are designed for adults and do not speak to a younger audience, which reduces teenagers’ motivation to explore the world of money, understand it, and learn about it the context and background.
Learning by doing
The apps promote learning through play and hands-on activities, with challenges, financial tasks, and savings tracking, giving children practical experience and understanding of money management
There is only thchnical info
In Israel, teenagers mainly receive technical information about money, without structured education on saving, budgeting, and managing expenses, which makes it harder for them to make smart financial decisions.
Teenagers don’t understand money well enough
Teenagers do not receive structured education about saving, budgeting, interest, and household or school expenses. This leads to poor financial decisions at a young age, and sometimes to habits that can create difficulties in the future.
05 Business goals
Increase in daily
system usage
02
01
The leading financial education
app for Israeli youth
05 Business goals
Increase in the number
of premium buyers
03
06 Business model
Freemium – a free basic version that allows teenagers to manage and track their money, alongside a paid version that includes advanced tools and additional financial insights.
We guarantee you full control over your money - smart financial management, saving, and decision-making, without stress and without mistakes.
we believe
07 AI
The app uses AI to analyze account activity, categorize spending, and provide smart money management tips. It alerts users to unusual expenses and offers ways to improve financial habits, with a smart chat for personalized advice in real time.
08 User Research
Agam Masilati, 16, works at Vivino. She is quite disorganized and struggles with managing money, so she is looking for an app that will help her organize her expenses and learn how to manage her finances properly.
"I earn money, but I don’t understand where it goes. It disappears quickly — everything feels scattered."
09 WIREFRAMING
10 Information Architecture
11 Design
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Typography
Icons
12 Design App
Home screen:
The home screen presents a quick overview of the user's financial situation. At the top of the screen, there is a division into four key categories: monthly income, expenses, monthly savings, and the biggest expense of the month. Below, users can see the latest salary and its source, along with recent transactions. In addition, goals set by the teenager are displayed, with a progress bar showing the advancement toward completing each goal.
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Filter:
On this screen, users can filter their expenses by different parameters, including expense category, date range, and amount, allowing them to easily track and analyze their spending.
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AI chat:
An AI chat that provides teenagers with guidance on financial topics, such as explaining financial concepts and helping improve money management. The chat has certain limitations, so in more complex cases or topics that require professional assistance, the user is directed to continue the conversation with a banker.
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Homework screen from parents:
In this screen, parents can assign tasks to the teenager, with the goal of teaching responsibility beyond traditional banking management. Parents define simple tasks, usually household-related, and assign a point value to each task.Once the teenager completes a task, the earned points are added to a reward system that can be used to redeem various benefits. The teenager can also choose when to complete each task, deciding the time that works best for them.
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Credit card and gift card screen:
This screen displays the user’s credit cards alongside gift cards. Since teenagers often receive many gift cards, they can be added to the app and redeemed directly through it.
In addition, based on research, teenagers also use debit cards, so the screen allows them to view recent transactions and credits, as well as information about weekly spending, last month’s expenses, and the total value of received gifts.
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Economy game:
This screen presents a financial concepts game, designed to teach teenagers various economic terms in an engaging and interactive way. The game includes three difficulty levels, ranging from easy to the most challenging. As each level is unlocked, the user can choose a character to play with, and new achievements are unlocked, such as medals, crowns, and other rewards that encourage progress and learning.
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Question and answer screens:
In this screen, each question awards the user coins (points), which are automatically transferred at the end of the game to the rewards screen. After every answer-whether correct or incorrect-an explanation is shown, designed to teach and deepe understanding. The questions are time-based, and at the end of the game, the user can view a summary showing how long it took to answer all the questions and how many points were earned.
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Goals screen:
The savings goals screen allows the teenager to set personal saving targets, choose a goal amount, and plan how to reach it. Each goal is displayed visually with a progress bar, showing real-time progress based on the accumulated savings. This helps the teenager clearly track their progress, stay focused, and understand how much is left until the goal is achieved.
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insight screen:
The insights screen presents a summary and analysis of the teenager’s financial behavior in a clear and accessible way. It includes the total bank debits, salary deposits summary, and the saving trend over time. In addition, it shows a breakdown of expenses by category, helping the user understand where their money is going and where improvements can be made. The screen is designed to provide a comprehensive overview and support smarter financial decision-making.
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SAY HEY