Product Overview
Muamalat DIN is Bank Muamalat's mobile banking service application that can be accessed anytime and anywhere by all users, whether they are customers or non-customers.
Problem Statement
Fenomena pinjaman online (PInjol) berkembang pesat di Indonesia. Ketersediaan pinjol menarik individu yang membutuhkan uang cepat.
Banyak orang yang mengakses pinjol mungkin tidak memiliki pemahaman yangcukup tentang konsep-konsep keuangan dasar dan dampang utang.
Ketika seseorang merasa terjebak dalam utang, tekanan psikologi dan stress finansial dapat meningkat sehingga menyebabkan rasa putus asa dan pada akhirnya bisa menyebabkan tindakan bunuh diri.
Literature Review
Research Goals
Identify the support resources users need to effectively utilize these features.
Determine the most effective ways to educate users about the new financial tracking features.
Research Success Criteria
Ensure users have access to the necessary support resources for smooth adoption.
Develop clear and effective strategies for educating users about new features.
Start from Competitive Analysis
Recomendation:
Financial Literacy: Educational Content: Regularly updated articles, videos, webinars, and interactive tools on financial topics.
Financial Counseling: In-App Counseling Services: Direct access to professional financial advisors for personalized advice.
Financial Checkup: Implement tools to help users evaluate their financial health, such as budget analysis, debt management, and savings assessments.
Financial Tracking: Tracks both expenses and income, provides financial insights and reports.
Perencanaan Anggaran: Comprehensive Budgeting Features: Develop detailed budgeting tools that allow users to create, track, and adjust their budgets.
User Persona
How might we Question
( this phase is conducted to guide the ideation of solutions )
How might we develop a comprehensive and user-friendly financial tracking feature that not only categorizes expenses in real-time but also provides personalized insights and recommendations to help users make smarter financial decisions?
Solutions
After completing the research phase, we will proceed to the structure design stage.
