Overview

Kumbaram+ is a conceptual mobile banking feature designed for Yapı Kredi Bank. It helps users build a saving habit by setting daily, weekly, or monthly spending limits. When users spend below their chosen limit, the remaining amount is automatically transferred into a savings account, turning everyday budgeting into effortless saving.

My Role

I designed the concept, user flow, and interface structure for the Kumbaram+ experience. My focus was to create a clear, trustworthy, and easy-to-use banking feature that fits naturally within Yapı Kredi’s mobile app environment.

Process

I started by identifying a common user need: saving money consistently without adding extra effort to daily banking. Based on this insight, I developed the core concept of connecting spending limits with automatic savings. I then mapped the main user journey, including onboarding, goal setup, account selection, confirmation, success states, and progress tracking. After defining the flow, I designed the interface screens with a focus on clarity, trust, and consistency with the visual language of a banking app.

Kumbaram+

A Conceptual Saving Feature for Yapı Kredi Bank

Kumbaram+

A Conceptual Saving Feature

for Yapı Kredi Bank

Process

I started by identifying a common user need: saving money consistently without adding extra effort to daily banking. Based on this insight, I developed the core concept of connecting spending limits with automatic savings. I then mapped the main user journey, including onboarding, goal setup, account selection, confirmation, success states, and progress tracking. After defining the flow, I designed the interface screens with a focus on clarity, trust, and consistency with the visual language of a banking app.

Reflection

This concept explores how the banking sector can move beyond transactional services and support users in building healthier financial habits. In a highly competitive digital banking environment, features that combine automation, personalization, and clear progress tracking can create stronger user engagement and trust. Kumbaram+ shows how saving can become a natural part of daily banking by connecting spending limits with effortless, goal-based savings.