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Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
Simplifying personal financial management
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Simplifying personal financial management

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Breaking the boundaries in user interface design and simplifying personal finance management. …

Breaking the boundaries in user interface design and simplifying personal finance management.

Slides from my talk at NordiCHI 2010 in Reykjavík ICeland

Published in: Technology, Economy & Finance
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  • Ok, now on to the actual topic we’ll be discussing here today.Simplifying personal financial managementMy Einar is Einar and I work a company called Meniga.We make a white label pfm solution witha special focus on the scandinavian / western european market
  • First let me start with a brief intro to what PFM/OFM is “read text”It’s also known as the future of online banking
  • Basically what it does is that it pulls all of your transactions from your banks into a single web based applicationThis can either be a standalone website or a part of your internet banking solution.
  • What this does is that it gives you an holistic overview of all your income vs expensesIt tells you where your money is goingHelps you set goals and create a budget.You can compare your expenses to othersIt gives you in context savings tips and advice.Ok, now the intro is done so we can continue.
  • The question is “do all user interfaces have to look the same”
  • Well... NO!
  • Well, Not exactly
  • Sometimes it’s ok to bend the rules a little...But bending won’t always do the job, so sometimes you have to get in there and invent a new wheel
  • You see the thing is, is that new conventions often come with new and cool technology
  • We’re talking about things like AJAX and jQuery that some of you might be familiar with.I guess you can say that these are the cornerstones for most modern web abbs and interactive UI’s
  • And you know what... Your developers and designers just love these things... And this is often the problem with new and cool technology. The designer/developers or keen to show how cool and smart they are they and hey... They also just want to have fun while doing their jobs. This is what keeps them motivated.But this is not as cool for your users...
  • ...who often get frustrated while trying to figure out how to use your product.
  • But here’s the thing you have to break conventions
  • When it leads to a better solution.
  • But Luckily some users are more patient than others... Not a lot though... But just barely enough so you can try and new things.
  • OK, so if you think you have to break conventions
  • Have a Kit Kat
  • Test
  • And Measure
  • Apart from your basic unit testing, smoke testing, alpha and beta testing you should always old school user testing.The way we do it is the way Steve Krug describes in his book “rocket surgery made easy”We do user testing every month with three people onlyWe find users from our office building, twitter, facebook, emails to current users, friends, family and fools. Each test subject gets a dinner for two at the burger fabrikThey test is conducted in a conference roomEverybody sits in another conference rooms and follows what’s going on through Skype.We all take notes and we discuss what is happening.When the test sessions are over we all go out for lunch and discuss what we sawDecide on the 4-5 most problematic errors and decide who will fix them.
  • Event tracking is offered by most web analytics tools out there and offer you to measure events that take place on the pageSuch as buttons being pushed, icons being clicked, sliders being pulled etc.
  • Here’s an example from Meniga’s application.We have 106 events and this will tell me which ones are the most popular ones and whats more important which ones are not.
  • There are other tools out there that can give you amazing insight into users behavior on your website.By adding simple javascript code in the templates it can give you a
  • An example of this is crazy egg which gives you a heatmap or confetti trail of where the users actually clicked.There are other services out there such as clicktale that will actually give you a video of the users mouse along with scroll reach and attention heatmaps...
  • An example of this is crazy egg which gives you a heatmap or confetti trail of where the users actually clicked.There are other services out there such as clicktale that will actually give you a video of the users mouse along with scroll reach and attention heatmaps...
  • An example of this is crazy egg which gives you a heatmap or confetti trail of where the users actually clicked.There are other services out there such as clicktale that will actually give you a video of the users mouse along with scroll reach and attention heatmaps...
  • An example of this is crazy egg which gives you a heatmap or confetti trail of where the users actually clicked.There are other services out there such as clicktale that will actually give you a video of the users mouse along with scroll reach and attention heatmaps...
  • But when it comes to truly breaking boundaries and making innovative and intuitive interfaces it might acually be about doing less.Here’s a quote from former wesabe CEO Marc Hedlund that he wrote in a blog post shortly after Wesabe went under.Wesabe and Mint were competitors in the B2C PFM market. Wesabe got there first but Mint did a better job.
  • Here’s an example from Meniga of what he’s talking about.In this sample we’ve collected some actual data from a few debit and creditcardsTransactions are automatically cateogorised based on three differrent criterionsThe merchants mcc codesThe way you have categorized this vendor beforeAnd wisdom of the crowds... The way other users in the system have categorised these transactions.
  • But if the auto category isn’t correct you can correct it and we’ll give you the most likely categoriesbut if you need to break out of the norm you can also search or navigate for the correct one
  • If the date needs to be adjusted, for example beingpaid at the end of the month but you would like it to be in the beginning we let you change it....but we apply constraints thus not letting you move the transaction too far from it’s original date.
  • The budget sheet gives an overview in all categories by the month. You can drill down for details but the true power is the auto budget we set automaticallyfor you, of course you can change it based on your own preference or set a new goal that you would like to reach.
  • The budget sheet gives an overview in all categories by the month. You can drill down for details but the true power is the auto budget we set automaticallyfor you, of course you can change it based on your own preference or set a new goal that you would like to reach.
  • The budget sheet gives an overview in all categories by the month. You can drill down for details but the true power is the auto budget we set automaticallyfor you, of course you can change it based on your own preference or set a new goal that you would like to reach.
  • We also try and help you understand your spending through various reportsHere’s an example of expenses by category, you can also watch it over time but let’s focus on the pie chart.By clicking the slice you desire we’ll you drill down into that category and see the breakdown within.By clicking again we give you a list of the the transaction within the sub category.
  • We also try and help you understand your spending through various reportsHere’s an example of expenses by category, you can also watch it over time but let’s focus on the pie chart.By clicking the slice you desire we’ll you drill down into that category and see the breakdown within.By clicking again we give you a list of the the transaction within the sub category.
  • We also try and help you understand your spending through various reportsHere’s an example of expenses by category, you can also watch it over time but let’s focus on the pie chart.By clicking the slice you desire we’ll you drill down into that category and see the breakdown within.By clicking again we give you a list of the the transaction within the sub category.
  • We also try and help you understand your spending through various reportsHere’s an example of expenses by category, you can also watch it over time but let’s focus on the pie chart.By clicking the slice you desire we’ll you drill down into that category and see the breakdown within.By clicking again we give you a list of the the transaction within the sub category.
  • Allowing you to compare your expenses to others can also proof very insightful.Let’s narrow our options here and compare to people within a similar income range, household size and postal code.Then lets dive into the food category again and see what we have there.Again we can drill down and see all transactions within the sub-category.
  • Allowing you to compare your expenses to others can also proof very insightful.Let’s narrow our options here and compare to people within a similar income range, household size and postal code.Then lets dive into the food category again and see what we have there.Again we can drill down and see all transactions within the sub-category.
  • Allowing you to compare your expenses to others can also proof very insightful.Let’s narrow our options here and compare to people within a similar income range, household size and postal code.Then lets dive into the food category again and see what we have there.Again we can drill down and see all transactions within the sub-category.
  • Allowing you to compare your expenses to others can also proof very insightful.Let’s narrow our options here and compare to people within a similar income range, household size and postal code.Then lets dive into the food category again and see what we have there.Again we can drill down and see all transactions within the sub-category.
  • So to concludeHow do you break the boundariesYou do it with...
  • Transcript

    • 1. Simplifying Personal FinancialManagement (PFM)<br />EinarGustafsson<br />VP Product Management<br />
    • 2. What is PFM / OFM<br /> The future of online banking<br />Online Financial Management (OFM) applications are Web-based tools that allow consumers and businesses to manage their finances in one place, with a single login.<br />http://en.wikipedia.org/wiki/Online_Financial_Management<br />
    • 3. How does it work?<br />Aggregates all financial transactions from<br />All bank accounts<br />All debit and credit cards<br />Multiple financial institutions<br />You and your spouse<br />
    • 4. What’s in it for you<br />Income VS Expenses<br />What you are spending on<br />Helps you set goals<br />Create a budget<br />Compare your expenses to others<br />Saving tips<br />etc<br />
    • 5. Do all UI’s have to look the same?<br />
    • 6. http://www.thefrisky.com/post/246-dating-donts-how-to-say-no/<br />
    • 7. Does that mean it’s OK to break conventions?<br />
    • 8. Is it a question of bending without breaking?<br />http://trainwithlucas.com/stretch.aspx<br />
    • 9. Breaking often comes with<br />&amp;<br />technology<br />http://www.lancs.ac.uk/fass/organisations/igala/Index.html<br />http://www.teacherfiles.com/clip_words.htm<br />
    • 10. http://www.tutorial9.net/resources/22-beautiful-jquery-plugins-for-web-designers/<br />http://www.codeproject.com/KB/ajax/SAL.aspx<br />
    • 11. http://www.flickr.com/photos/planetargon/511292936/in/photostream/<br />
    • 12. http://angelaura28.files.wordpress.com/2010/06/frustrated01.jpg<br />
    • 13. You have to break...<br /> “Ironically, people tell you to stick to user interface conventions to avoid confusing users, but they forget that in order to create those conventions, someone, somewhere had to once try out something that worked better than what was there before.”<br />http://www.attackofdesign.com/usability-and-the-lowest-common-denominator/<br />
    • 14. ...when it’s a better solution!<br /> “User interface patterns and conventions can, and should, be broken, provided one criterion is met: the new solution is better at its task than the one it replaces. Innovation by definition must introduce some new way of doing things, and it’s often impossible to do this without breaking the old norms.”<br />http://www.usabilitypost.com/2009/11/30/breaking-rules/<br />
    • 15. When is it OK?<br />Web apps<br /><ul><li>Slighly less impatient
    • 16. Open to new things
    • 17. Break carefully</li></ul>Open web<br />Very impatient<br />Browsing<br />Scanning<br />Conventions<br />Try not to break<br />
    • 18. If you have to break...<br />
    • 19. http://justjunkthoughts.blogspot.com/2010/07/did-i-ever-tell-you-how-much-i-fancy.html<br />
    • 20. http://www.divyebokdia.com/19.html<br />
    • 21. http://net4direct.com/HealthyLiving.html<br />
    • 22. Testing<br />Once a month<br />Test 3 people<br />Everybody watches<br />Take notes<br />Discuss and plan<br />Fast, easy and cheap<br />http://www.sensible.com/rocketsurgery/index.html<br />
    • 23. Measuring<br />Event tracking<br />Is the feature being used<br />How often is the feature used<br />
    • 24.
    • 25. Measuring<br />Click and mouse tracking<br />Where are people clicking<br />Do they scroll<br />Where does the mouse move<br />Crazyegg.com<br />Clicktale.com<br />
    • 26.
    • 27.
    • 28.
    • 29.
    • 30. Maybe it’s about doing less<br /> …I was focused on trying to make the usability of editing data as easy and functional as it could be; Mint was focused on making it so you never had to do that at all.<br />http://blog.precipice.org/why-wesabe-lost-to-mint<br />
    • 31.
    • 32.
    • 33.
    • 34.
    • 35.
    • 36.
    • 37.
    • 38.
    • 39.
    • 40.
    • 41.
    • 42.
    • 43.
    • 44.
    • 45. Breaking the boundaries <br />Simpler &amp; easier to use interfaces<br />Reduce the effort on the user<br />Use new technology with great care<br />But do use it<br />Always question if the current way is the best way possible<br />
    • 46. Thank you / Questions?<br />Einar Gustafsson<br />einar@meniga.com<br />www.meniga.com<br />@einargustafsson<br />beautyvsfunction.com<br />slideshare.net/einargustafsson<br />linkedin.com/in/einargustafsson<br />

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