Research showed Gen Z wanted more personalization and better tools to build savings habits, so we started by reworking the navigation to remove friction. From there, wireframes let us test ideas directly with users, who responded most to customizable layouts and light educational features. The result is an app users can shape around their own habits: a home screen they can personalize or simplify with templates, a Money Hub that centralizes spending, cards, and transfers, visual goal tracking that makes saving feel tangible, and non-invasive micro-learning built for users just starting their financial journey.