Project 07 of 09 Product concept Fintech · Product concept
Money, with a mind of its own
What would it take to let software spend money on your behalf, and still sleep at night? QUB is an interactive prototype that explores that question through the everyday mechanics of a card app.
At a glance
An interactive mobile concept covering bank linking, card funding, personal and agent cards, approvals, spending controls, transaction states and permissions.
- Type
- Product concept
- Format
- Interactive mobile prototype
- My role
- Concept, experience design, prototyping
- Domain
- Payments & delegated spending
The premise
A card for you, and a card for your agent
Most money apps assume a single person tapping a single card. QUB starts from a different assumption: that some spending will increasingly be done by software acting for you, and that it deserves its own card, its own limits and its own record.
The prototype pairs personal cards with agent cards, funded from linked bank accounts or external cards, so the relationship between “my money” and “money I’ve handed off” is always explicit.
- Bank linking and external card funding
- Personal cards and agent cards side by side
Control
Trust is a set of controls you can see
Delegation only works if the person delegating feels in charge. Approvals, spending controls and permissions are treated as first-class parts of the experience rather than settings buried three screens deep.
Much of the design question is one of pacing: when to ask for approval, when to stay quiet, and how to make a limit understandable at a glance.
States
Every transaction state needs a shape
When an agent is involved, a payment can pass through several states before it settles, and each of those moments needs to read clearly to someone who didn’t initiate it themselves.
Designing for those in-between states, not just the happy path, is what lets someone understand where their money is at any moment.
Status
Where it stands
An interactive product concept exploring delegated spending. Screens use illustrative sample data.
Product concept. Screens use illustrative sample data.