Fraction
About
Fraction is a UPI-based micro-investment app that helps users effort-
lessly save and grow their money. After every transaction, the app
rounds off the amount and transfers the fractional difference—typically
less than a rupee—to a blind account. Over time, these small amounts
accumulate and are strategically invested, allowing users to build sav-
ings without any extra effort. Designed for seamless integration with
existing UPI payments, Fraction makes investing accessible to every-
one, even first-time users. With a scalable model and strong monetiza-
tion potential, Fraction turns everyday spending into an easy and au-
tomated way to put money to better use.
Problem Solution
Our UPI financial management solution will Fraction simplifies financial management by
let users gain better control over microtrans- automatically rounding off UPI transactions
actions and track expenses efficiently, which and saving the spare change. This effortless
will affect the elderly, students, and other UPI micro-saving approach helps students, the
users by reducing financial mismanagement, elderly, and everyday users build better bud-
and enhancing budgeting habits. geting habits while reducing financial mis-
We will measure effectiveness by tracking management. Users gain passive control over
user engagement with spending controls, an- their spending without disrupting their daily
alyzing reductions in unnecessary transac- transactions. Effectiveness will be measured
tions, and gathering feedback on improved through user engagement, savings growth,
financial awareness. and improved financial awareness.
User
Persona
Name Diya G Sunita Verma Rajan Iyer
Age 20 years old 40 years old 65 years old
Occupation Design Student Homemaker Retired Banker
Allowance ₹20,000 ₹60,000 ₹40,000+FD
Wants to manage fi- Manages household Familiar with finance
nances better but expenses, prefers writ- but struggles with dig-
About struggles with tracking ten records, and finds ital payments and in-
expenses and savings. digital finance over- vestments.
whelming.
- Set daily spending - Maintain a budget - Learn digital finan-
cap. and track UPI transac- cial tools without feel-
- Automated savings tions. ing overwhelmed.
that don’t affect life- - Simple savings with- - Explore low-risk dig-
Goals & Needs style. out manual effort. ital investments.
- Beginner-friendly in- - Learn safe, low-risk - Use an intuitive, clut-
vestment insights. investment options. ter-free finance app.
- Simple, actionable - Easy-to-use finance - Ensure trust and se-
financial advice. app in Hindi/regional curity in digital trans-
languages. actions.
- Impulse spending on - Struggles tracking - Worries about fraud
food/shopping. UPI expenses. and scams.
- Hard to track UPI ex- - Worries about over- - Struggles tracking
penses. spending on groceries digital transactions.
Pain points - Overwhelmed by in- as it doesn’t feel like - Hesitant about online
vesting options. real money. banking security.
- Wants savings with- - Finds financial man-
out feeling restricted. agement overwhelm-
Design Empathise 01 Define 02
Process Researched user spending
habits through interviews and
Identified challenges in tracking
microtransactions and saving.
surveys.
Ideation 03 Prototype 04
Brainstormed auto rounding savings and Built wireframes to test core features.
spending insights.
User Flow
Analyse ROI
Microtransaction Goal achieved Weigh risks &
Scan to Pay Desposited returns
Invest
Sign Up Home Page Investment Invest
Scheme Chosen
options
Tap & Go Log In
Investment
Schemes
Stay Logged
out
Typography & Colours
Poppins
Modern & Clean – Gives a sleek and pro-
Uppercase Letters fessional look.
ABCDEFGHIJKLM Trustworthy – Feels simple, reliable, and
NOPQRSTUVWXYZ Why easy to read.Friendly & Approachable –
Poppins? Soft edges make it user-friendly.
Versatile – Works well on all screen sizes
Lowercase Letters and formats.
abcdefghijklmno Strong Identity – Matches well with the
pqrstuvwxyz color palette for a bold and clear brand.
Purple (Primary- 50%) Black (Secondary 30%) White (Accent-20%)
Stands for creativity, trust, Adds contrast and ele- Keeps the design clean and
and finance. Used for key gance. Used for text and readable. Used for back-
elements like buttons and backgrounds. grounds and space.
branding.
Logo & Favicon
Minimalist & Versatile – A simple shape ensures scalability,
making it work across websites, apps, and branding materials.
Balanced Design – The symmetry and proportion create a strong,
modern, and structured feel, making it visually appealing and pro-
fessional.
Circular Form – The outer circle suggests completeness, unity, and
continuity, which are essential for trust and reliability in financial
management.
Cutout "C" Shape – This could represent
Currency – A direct link to finance and transactions.
Layout
Home
Fraction is designed with a modern, intuitive,
and inclusive interface, making financial
management effortless for all age groups.
Expenditure Tracker
The second page of the applications shows
the user the list of their balance, their sav-
ings, and the amount that they have invest-
ed in an infographic format.
Investment Page
The user can view a division of their balance
amount, savings amount and their invest-
ment amount. They can navigate to fixed in-
vestment or market investment page from
here too
Risks & Returns Analysis
Once the user closes where they would like
to deposit their money, they can view the
risks and returns of this option along with
additional information about this investment
mothod so that they can analyze all their op-
tions well.
Low Fidelity Model
High Fidelity Model
Fin.
A Project by
Nitya Sristy
Nikitha S.Devi
Nirjara Santhosh
