Project Overview

Spleck: Simplify Shared Expenses

An 8-week UX design and research project using Adobe Illustrator and Figma. Spleck is a P2P payment app that streamlines sharing expenses among friends and family, eliminating the "who owes who" headache. This mobile app allows users to effortlessly split restaurant bills, including tax and tip, and facilitates seamless in-app payments. 


Accessible to all

Spleck's design is driven by a commitment to user-friendliness, accessibility, and robust security. Ensuring a consistent brand identity and compatibility across devices, Spleck offers automated bill splitting, itemized orders, flexible splitting methods, secure in-app payments, streamlined group management, and easy receipt tracking. With a focus on accessibility and safety features, I wanted to make sure Spleck stands as a reliable choice for all users.

My approach


Who is the target audience?

Designed for those who frequently dine out with groups, simplifying bill splitting and avoiding manual calculations.

Problem and Opportunity

"While a common rule of thumb is that, unless discussed ahead of time, diners should expect to split a tab equally, research suggests most diners don't actually do this in practice. In fact, two-thirds of those surveyed do not split the bill evenly when dining out with friends." 🔗 Source

Problem: Most diners don't split bills evenly, even though that's the common expectation.

Opportunity: The increasing use of smartphones has created a growing opportunity for bill splitting apps. The industry is expected to grow by 46% based on global need.

Competitor analysis

Conducted impactful competitor analysis on Cash App and Venmo, refining my product design by extracting insights on convenience, user-friendliness, social aspects, and business features.

How is Spleck different?

There is a unique emphasis placed on bill splitting and task delegation, providing a seamless and transparent solution for fair bill distribution.

Cash app payment flow

Venmo home screen (NUX)

Value proposition

Post-competitor analysis, I posed three key questions:

1. Problem solved?

2. Benefits?

3. Why us over them?

Spleck addresses seamless expense sharing, inclusive of tax and tip. Distinct features like payment requests & reminders set it apart, ensuring no debt oversights. The design prioritizes clarity —simplifying shared expenses and positioning Spleck as the preferred choice.

Justifying the "why?"

Reasoning behind my design decisions



Information Architecture

In the initial design iteration, I revamped the user activity dashboard, facing a challenge in placing the "send money" and "add money" buttons. After brainstorming, I opted to position them at the center, incorporating clear and familiar icons for intuitive user understanding, minimizing the need for extensive text reading.

Making mindful color decisions

Using color psychology to boost user engagement

Recognizing the impact of color psychology on user engagement, I avoided using red in the context of money transactions, considering its association with warnings or penalties, which could deter users from sending funds as freely as we'd like them to.

To encourage a more positive experience, I explored alternative color options, aiming to incentivize users and enhance their overall experience with Spleck.



Here is another example of how I opted for a subtle gray instead of the color red when a user is losing money by sending it. The gray is clear for the user but avoids appearing alarming or punitive. I want to encourage users to send money frequently without creating a penalizing perception.

Note that I did end up removing this button during my second design phase.

Color Choices in Global Design

Considering the contrasting cultural connotations of red, I incorporated feedback from a user originally from China 🇨🇳 , recognizing the positive association of red in their culture. Balancing this insight with the context of financial transactions, I opted for a default grey for the sender (losing money), ensuring a universally clear and neutral experience, irrespective of users' locations or backgrounds.

"Red, yellow and green are considered ‘auspicious’ according to Chinese traditions."🔗 Source

Iconography to influence user decisions

During a Dropbox project presentation, I addressed the intentional choice of icons changing during a transaction swipe, emphasizing user guidance. The shift to an arrow pointing right serves as a clear signal, reducing potential dropoff rates and influencing user decisions through familiar iconography. This attention to detail, confirming the right path, encourages user continuation. Small design elements and details can make a significant impact.


Icon changes mid-swipe

Creating a more polished design

Out with the old, in with the new

Months post-initial design, I realized that in some instances, I had assumed users would grasp certain functionalities over time, but I was mistaken. So my new focus became cleaning up elements, changing fonts, improving information architecture, and simplifying functionalities aimed to improve user understanding and deliver an intuitive experience. I refined prototypes to align with current UI trends, enhancing clarity and introducing a fresh new look.

🖌️ Initial Payment flow design


and previous transactions


and recent transactions

Sending money

Transfer amount


Letting user know their money has been sent

Revised payment flow

Redesign Roulette

Spinning feedback into gold

Testing & room for improvement

User testing revealed that the UI initially lacked clarity and could be more intuitive, especially during navigating through the app, and expense creation. I conducted additional user testing sessions, collected feedback, and iterated on the design. I incorporated tooltips and user-friendly prompts to enhance clarity.

In response to this feedback...

Introduced a user-centric search bar with the placeholder question "What would you like to do?" to empower users, giving them control, confidence and guiding them through a more intuitive and natural experience in both NUX and PUX.

Ideas I had that didn't work

I view ideas as the start of something fabulous. While I work to bring them to life, I'm also open to letting go if they don't enhance the user experience.

*An example of this was a post-mvp feature for Task delegation, such as assigning grocery shopping or cleaning tasks, that was scrapped due to complexity, low priority, and lack of user interest.

What I've learned & key takeaways

Designing a finance app is a challenging yet rewarding rollercoaster that involves thorough research and competitor analysis. Spleck aims to provide a compelling value proposition, combining the best features of existing P2P apps like Venmo, Cash App, and Zelle, offering users peace of mind and a reason to choose it over others.

Key takeaways from research:

These lessons show that I'm on the right track to designing a game-changing finance app, not just another player in the game.