solution

The concept was based on the fact that many people have several online subscriptions, and it’s difficult to keep track of their status and fees. Through our research and interviews, we confirmed that this issue was valid. Many people struggled to keep track of their subscription expenses, with some forgetting to cancel subscriptions, accidentally having money deducted, or being confused by complicated processes. Our assumption that people with online subscriptions also manage traditional utility bills (like phone or electricity bills) online proved correct, so we expanded the concept to include this functionality. We also added the option for users to manually input recurring payments.

The app was divided into three sections to manage different types of subscriptions and bills:

• The first section is for online subscriptions, which users can select from a list and add to their profile. The app is connected to service providers, allowing users to track and manage subscriptions, easily switch plans, or cancel services. Service providers can also promote new package offers to users.
• The second section covers traditional utility bills. Users can link their service provider accounts with their customer numbers and choose between automatic or manual bill payments. Service providers benefit from this by making bill payments easier and more accurate for their customers.
• The third section is for manual transfers, useful for users who make regular payments (weekly, monthly, or annually) such as business taxes to the tax office or other recurring expenses.

With this app, users can fully manage their expenses and track utility payments. Infographics help users get a comprehensive view of their spending categories and individual elements. To enhance user experience, the app includes a feature where all unpaid bills (traditional utility bills) can be consolidated and paid with a single click. The app was well-received, and beyond the MOME framework, a financial institution also expressed interest in the concept, allowing us to present it to them.