Cracking the Code of Financial Discipline: Inside Our Gamified Saving App Prototype
Research by:
Pranali Jadhav
Prototyper Express
Aug 1, 2025


Many of us want to save money, but we often struggle with how to do it. The world of personal finance can be confusing. We face so many choices, from where to put our money to how to track our spending. This leads to a lot of stress and a feeling of being unprepared for the future. It's a common problem for young professionals, families, and anyone who wants to manage their money better. The D-ARC Design team saw this widespread issue and decided to build a solution: a smart saving app designed to empower users to achieve their financial goals through intelligent planning and tracking. Learn how D-ARC’s Prototyper Express service helped bring this concept to life in just two weeks.
The Problem with Financial Planning
Most people find it difficult to save money consistently and understand their spending habits. The D-ARC team’s research identified several key challenges that stand in the way of financial success:
Lack of Financial Literacy: Many people don't have the knowledge or tools to create long-term financial plans, especially for big goals like retirement.
Difficulty in Budgeting & Tracking: Manual tracking of income and expenses is boring and often abandoned. This leads to a poor understanding of where money goes.
Inconsistent Saving Habits: Despite good intentions, it's hard to stick to saving goals. Impulse spending and unexpected expenses often get in the way.
Overwhelm with Investment Options: The large number of investment products can be scary, leading to no action or poor choices.
Low Engagement with Traditional Finance Tools: Most banking apps and spreadsheets lack the motivational elements needed to keep users engaged.
These challenges can cause people to miss their financial goals and feel more stressed about money. A product was needed that could simplify goal-based saving, create healthy financial habits, and reward users for their discipline.
The Smart Saving App: A Solution for a Modern World
To solve these problems, the D-ARC team developed a smart saving application. The product vision was clear: to create a leading personal finance companion that simplifies goal-based saving and rewards users for their fiscal discipline, helping them secure their financial future. The app was designed with a specific target audience in mind, including young professionals and families.
The solution is built around a few core features:
Goal-Based Financial Planning
The app allows users to set specific financial goals, such as retirement or a down payment on a house. A personalized planning engine then collects key user data, including current age, desired retirement age, monthly income, and expenses. Based on this data, a proprietary algorithm generates a personalized financial plan. This plan includes recommended monthly saving amounts and suggested investment categories. Users can also adjust variables, like their retirement age, to see how it impacts their plan.
Automated Income & Expense Tracking
Manual tracking is a thing of the past. The app securely parses a user's SMS and email notifications to automatically categorize and track income and expenses. It then creates clear and visually appealing reports that show a user's income versus their expenses and breaks down spending habits by category. These reports help users understand their financial behavior and identify areas where they can save.
Motivation & Gamification
The app keeps users motivated through fun, engaging features. For example, if a user spends less than usual on their daily commute, the app will send a notification that says, "You saved Rs 100 today! Would you like to allocate this to your [Retirement Goal]?". Users can also earn "coins" for good financial habits, like meeting saving targets. These coins can be used to play a "Spin the Wheel" game that offers coupons and discounts from partner brands. The app even generates personalized coupons based on a user's spending habits.
Financial Services Marketplace
The app includes a marketplace with curated financial products and services from third-party partners. This marketplace can offer everything from insurance and loans to credit cards and financial advisory consultations. The app uses a user’s data to recommend highly relevant products and services that align with their goals.
The Power of Prototyper Express
The Smart Saving App is a perfect example of what can be accomplished in just two weeks with D-ARC's Prototyper Express service. This service is designed for companies that need to quickly test new ideas, validate a market fit, and create a tangible, clickable prototype without a long and expensive development cycle.
Prototyper Express uses a combination of AI design tools and rapid prototyping techniques to turn your vision into a working prototype. This allows you to:
Reduce risk: Test your product's core concepts with real users before you invest in full development.
Accelerate time-to-market: Go from an idea to a validated prototype in just two weeks.
Get stakeholder buy-in: Present a realistic, interactive prototype that clearly communicates your vision.
The Smart Saving App project shows how D-ARC Design can take a complex problem and, using a highly efficient process, create a simple and effective solution. If you have an idea that needs to be brought to life quickly and efficiently,
visit D-ARC Design to learn how Prototyper Express can help you build your product faster and smarter.
Research by: Pranali Jadhav
LinkedIn: www.linkedin.com/in/pranali-jadhav-845b7791
Many of us want to save money, but we often struggle with how to do it. The world of personal finance can be confusing. We face so many choices, from where to put our money to how to track our spending. This leads to a lot of stress and a feeling of being unprepared for the future. It's a common problem for young professionals, families, and anyone who wants to manage their money better. The D-ARC Design team saw this widespread issue and decided to build a solution: a smart saving app designed to empower users to achieve their financial goals through intelligent planning and tracking. Learn how D-ARC’s Prototyper Express service helped bring this concept to life in just two weeks.
The Problem with Financial Planning
Most people find it difficult to save money consistently and understand their spending habits. The D-ARC team’s research identified several key challenges that stand in the way of financial success:
Lack of Financial Literacy: Many people don't have the knowledge or tools to create long-term financial plans, especially for big goals like retirement.
Difficulty in Budgeting & Tracking: Manual tracking of income and expenses is boring and often abandoned. This leads to a poor understanding of where money goes.
Inconsistent Saving Habits: Despite good intentions, it's hard to stick to saving goals. Impulse spending and unexpected expenses often get in the way.
Overwhelm with Investment Options: The large number of investment products can be scary, leading to no action or poor choices.
Low Engagement with Traditional Finance Tools: Most banking apps and spreadsheets lack the motivational elements needed to keep users engaged.
These challenges can cause people to miss their financial goals and feel more stressed about money. A product was needed that could simplify goal-based saving, create healthy financial habits, and reward users for their discipline.
The Smart Saving App: A Solution for a Modern World
To solve these problems, the D-ARC team developed a smart saving application. The product vision was clear: to create a leading personal finance companion that simplifies goal-based saving and rewards users for their fiscal discipline, helping them secure their financial future. The app was designed with a specific target audience in mind, including young professionals and families.
The solution is built around a few core features:
Goal-Based Financial Planning
The app allows users to set specific financial goals, such as retirement or a down payment on a house. A personalized planning engine then collects key user data, including current age, desired retirement age, monthly income, and expenses. Based on this data, a proprietary algorithm generates a personalized financial plan. This plan includes recommended monthly saving amounts and suggested investment categories. Users can also adjust variables, like their retirement age, to see how it impacts their plan.
Automated Income & Expense Tracking
Manual tracking is a thing of the past. The app securely parses a user's SMS and email notifications to automatically categorize and track income and expenses. It then creates clear and visually appealing reports that show a user's income versus their expenses and breaks down spending habits by category. These reports help users understand their financial behavior and identify areas where they can save.
Motivation & Gamification
The app keeps users motivated through fun, engaging features. For example, if a user spends less than usual on their daily commute, the app will send a notification that says, "You saved Rs 100 today! Would you like to allocate this to your [Retirement Goal]?". Users can also earn "coins" for good financial habits, like meeting saving targets. These coins can be used to play a "Spin the Wheel" game that offers coupons and discounts from partner brands. The app even generates personalized coupons based on a user's spending habits.
Financial Services Marketplace
The app includes a marketplace with curated financial products and services from third-party partners. This marketplace can offer everything from insurance and loans to credit cards and financial advisory consultations. The app uses a user’s data to recommend highly relevant products and services that align with their goals.
The Power of Prototyper Express
The Smart Saving App is a perfect example of what can be accomplished in just two weeks with D-ARC's Prototyper Express service. This service is designed for companies that need to quickly test new ideas, validate a market fit, and create a tangible, clickable prototype without a long and expensive development cycle.
Prototyper Express uses a combination of AI design tools and rapid prototyping techniques to turn your vision into a working prototype. This allows you to:
Reduce risk: Test your product's core concepts with real users before you invest in full development.
Accelerate time-to-market: Go from an idea to a validated prototype in just two weeks.
Get stakeholder buy-in: Present a realistic, interactive prototype that clearly communicates your vision.
The Smart Saving App project shows how D-ARC Design can take a complex problem and, using a highly efficient process, create a simple and effective solution. If you have an idea that needs to be brought to life quickly and efficiently,
visit D-ARC Design to learn how Prototyper Express can help you build your product faster and smarter.
Research by: Pranali Jadhav
LinkedIn: www.linkedin.com/in/pranali-jadhav-845b7791