PLENTLY
A fintech platform that makes group saving and payments effortless by helping people to pool funds, send money, and manage spending
INDUSTRY
Fintech
DELIVERABLE
Website design
Mobile App
PERIOD
Aug 2023 - Sept 2024
OVERVIEW
Plently is a fintech platform reimagining how people save and spend together. More than just a finance app, it brings the traditional concept of money circles into the digital age, creating a community driven ecosystem built around group savings, peer to peer payments, and shared financial growth.
The goal was to create an accessible, modern financial platform where people can save, pay, and manage money collaboratively, fostering a culture of trust, accountability, and shared prosperity.
This project was co designed with another designer, working collaboratively to shape the product experience from concept to execution.
Plently is a fintech platform reimagining how people save and spend together. More than just a finance app, it brings the traditional concept of money circles into the digital age , there by creating a community-driven ecosystem built around group savings, peer-to-peer payments, and shared financial growth.
The goal was to design a solution that enables users to save collectively toward shared goals and pool funds securely through digitized money circles. The broader vision was to create an accessible, modern financial platform where people can save, pay, and manage money collaboratively . This foster a culture of trust, accountability, and shared prosperity.
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PROBLEM
Many people often need quick access to funds to handle life’s essentials yet traditional credit systems can feel restrictive, complex, or out of reach.
Informal group savings, or “money circles,” have long provided a simple, trusted way for communities to support each other financially. The challenge, however, lies in their limited reach and the risks of mismanagement, fraud, or inconsistency.
Plently set out to digitize this traditional practice by making it safer, transparent, and accessible to a wider audience.
RESEARCH & INSIGHTS
RESEARCH & INSIGHTS
Having personally participated in traditional group savings while growing up, I had first-hand experience of how these systems foster accountability, trust, and community. This background gave me a deeper understanding of the behavioral dynamics behind money circles This insights also guided our research and design decisions.
To build on that foundation, we analyzed notable financial and community-based platforms to understand their strengths, patterns, user experience models, inform design decisions, and uncover opportunity in order to design a seamless and trustworthy experience.
Ajo Money : We looked into how traditional rotating savings circles are digitized, focusing on contribution cycles, payout structures, and their trust mechanisms
Piggyvest: We explored how its group savings model encourages commitment and consistency among users while focusing on its autosave feature. I also studied its reward system, where users earn points for consistent savings
Opay: We examined its unified wallet system that simplifies financial tracking by combining multiple transaction types into one clear, accessible interface.
Revolut & Wise: Analyzed how these global fintechs handle virtual and physical cards within their ecosystems. Their smooth onboarding, clear card management, and security systems
Having personally participated in traditional group savings while growing up, I had first-hand experience of how these systems foster accountability, trust, and community. This background gave me a deeper understanding of the behavioral dynamics behind money circles This insights also guided our research and design decisions.
To build on that foundation, we analyzed notable financial and community-based platforms to understand their strengths, patterns, user experience models, inform design decisions, and uncover opportunity in order to design a seamless and trustworthy experience.
Ajo Money : We looked into how traditional rotating savings circles are digitized, focusing on contribution cycles, payout structures, and their trust mechanisms
Piggyvest: We explored how its group savings model encourages commitment and consistency among users while focusing on its autosave feature. I also studied its reward system, where users earn points for consistent savings
Opay: We examined its unified wallet system that simplifies financial tracking by combining multiple transaction types into one clear, accessible interface.
Revolut & Wise: Analyzed how these global fintechs handle virtual and physical cards within their ecosystems. Their smooth onboarding, clear card management, and security systems
Having personally participated in traditional group savings while growing up, I had first-hand experience of how these systems foster accountability, trust, and community. This background gave me a deeper understanding of the behavioral dynamics behind money circles This insights also guided our research and design decisions.
To build on that foundation, we analyzed notable financial and community-based platforms to understand their strengths, patterns, user experience models, inform design decisions, and uncover opportunity in order to design a seamless and trustworthy experience.
Ajo Money : We looked into how traditional rotating savings circles are digitized, focusing on contribution cycles, payout structures, and their trust mechanisms
Piggyvest: We explored how its group savings model encourages commitment and consistency among users while focusing on its autosave feature. I also studied its reward system, where users earn points for consistent savings
Opay: We examined its unified wallet system that simplifies financial tracking by combining multiple transaction types into one clear, accessible interface.
Revolut & Wise: Analyzed how these global fintechs handle virtual and physical cards within their ecosystems. Their smooth onboarding, clear card management, and security systems
SOLUTIONS
Saving Together, Simplified
At the heart of Plently is money circle . it was designed to bring people together around shared financial goals. Users can create or join circles, contribute funds periodically, and take turns accessing pooled savings.
Key features:
Create or join money circle: Users can either start a new circle and invite trusted members by sharing a group ID , or invite link , or join an existing group before the savings cycle begins.
Flexible funding source: Contributions can be made through either a linked debit card or the Plently wallet, giving users control over how and when they fund their savings
Auto save: To encourage commitment and consistency, members can set up automatic deductions for their contributions . This ensure timely payments and reduce the need for manual reminders
Advance Withdrawal: Qualified members can request an early payout before their turn in the rotation, with a small interest applied. This provides financial flexibility while maintaining fairness and balance within the circle
Reminder: Admins can send contribution reminders to members who haven’t completed their payments for the current cycle. This helps everyone to stay on track and reduce missed contributions.
Saving Together, Simplified
At the heart of Plently is money circle . it was designed to bring people together around shared financial goals. Users can create or join circles, contribute funds periodically, and take turns accessing pooled savings.
Key features:
Create or join money circle: Users can either start a new circle and invite trusted members by sharing a group ID , or invite link , or join an existing group before the savings cycle begins.
Flexible funding source: Contributions can be made through either a linked debit card or the Plently wallet, giving users control over how and when they fund their savings
Auto save: To encourage commitment and consistency, members can set up automatic deductions for their contributions . This ensure timely payments and reduce the need for manual reminders
Advance Withdrawal: Qualified members can request an early payout before their turn in the rotation, with a small interest applied. This provides financial flexibility while maintaining fairness and balance within the circle
Reminder: Admins can send contribution reminders to members who haven’t completed their payments for the current cycle. This helps everyone to stay on track and reduce missed contributions.
Saving Together, Simplified
At the heart of Plently is money circle . it was designed to bring people together around shared financial goals. Users can create or join circles, contribute funds periodically, and take turns accessing pooled savings.
Key features:
Create or join money circle: Users can either start a new circle and invite trusted members by sharing a group ID , or invite link , or join an existing group before the savings cycle begins.
Flexible funding source: Contributions can be made through either a linked debit card or the Plently wallet, giving users control over how and when they fund their savings
Auto save: To encourage commitment and consistency, members can set up automatic deductions for their contributions . This ensure timely payments and reduce the need for manual reminders
Advance Withdrawal: Qualified members can request an early payout before their turn in the rotation, with a small interest applied. This provides financial flexibility while maintaining fairness and balance within the circle
Reminder: Admins can send contribution reminders to members who haven’t completed their payments for the current cycle. This helps everyone to stay on track and reduce missed contributions.
Pay & get paid instantly with plently wallet
The peer to peer payment feature allows users to send and receive money instantly within the plently ecosystem . it was designed to simplify everyday transactions within a single, intuitive wallet experience.
Key features:
Transfer by username : Users can send money directly to another Plently user using their unique username
Transfer by contact : Users can sync their phone contacts and transfer funds instantly to registered Plently users, removing the need for manual entry.
Save as beneficiary : Use can save recipients for future transfers, making recurring payments effortless and efficient.
Pay & get paid instantly with plently wallet
The peer to peer payment feature allows users to send and receive money instantly within the plently ecosystem . it was designed to simplify everyday transactions within a single, intuitive wallet experience.
Key features:
Transfer by username : Users can send money directly to another Plently user using their unique username
Transfer by contact : Users can sync their phone contacts and transfer funds instantly to registered Plently users, removing the need for manual entry.
Save as beneficiary : Use can save recipients for future transfers, making recurring payments effortless and efficient.
Pay & get paid instantly with plently wallet
The peer to peer payment feature allows users to send and receive money instantly within the plently ecosystem . it was designed to simplify everyday transactions within a single, intuitive wallet experience.
Key features:
Transfer by username : Users can send money directly to another Plently user using their unique username
Transfer by contact : Users can sync their phone contacts and transfer funds instantly to registered Plently users, removing the need for manual entry.
Save as beneficiary : Use can save recipients for future transfers, making recurring payments effortless and efficient.
Unified Wallet system
Plently Wallet is a single, organized space where users can view, receive, and manage all their transactions. It can only be funded through peer-to-peer transfers or payouts from Money Circles .
Funds in the wallet can then be used for transfers, in-app payments, or withdrawn to an external account.
Key features:
Centralized view : All transactions from money circles, P2P transfers and other in-app transactions are displayed in one unified dashboard, giving users clear visibility and control.
Withdrawal : Users can withdraw money from their wallet into a linked bank account
Automated Payout : Payout from money circles are automatically credited to the wallet, ensuring users gain access to what they’ve earned without manual steps.
Unified Wallet system
Plently Wallet is a single, organized space where users can view, receive, and manage all their transactions. It can only be funded through peer-to-peer transfers or payouts from Money Circles .
Funds in the wallet can then be used for transfers, in-app payments, or withdrawn to an external account.
Key features:
Centralized view : All transactions from money circles, P2P transfers and other in-app transactions are displayed in one unified dashboard, giving users clear visibility and control.
Withdrawal : Users can withdraw money from their wallet into a linked bank account
Automated Payout : Payout from money circles are automatically credited to the wallet, ensuring users gain access to what they’ve earned without manual steps.
Unified Wallet system
Plently Wallet is a single, organized space where users can view, receive, and manage all their transactions. It can only be funded through peer-to-peer transfers or payouts from Money Circles .
Funds in the wallet can then be used for transfers, in-app payments, or withdrawn to an external account.
Key features:
Centralized view : All transactions from money circles, P2P transfers and other in-app transactions are displayed in one unified dashboard, giving users clear visibility and control.
Withdrawal : Users can withdraw money from their wallet into a linked bank account
Automated Payout : Payout from money circles are automatically credited to the wallet, ensuring users gain access to what they’ve earned without manual steps.
Debit card
Plently offers both virtual and physical debit cards, giving users flexible access to their funds anywhere, anytime.
Key features:
Virtual and physical cards : Users can instantly request a virtual card or order a physical one with real-time delivery tracking.
Digital wallet integration : Users can link both card types (virtual and physical) to google pay and apple Pay for fast, contactless payments.
Card controls: User can block or unblock cards, and view real-time transactions within the app.
Debit card
Plently offers both virtual and physical debit cards, giving users flexible access to their funds anywhere, anytime.
Key features:
Virtual and physical cards : Users can instantly request a virtual card or order a physical one with real-time delivery tracking.
Digital wallet integration : Users can link both card types (virtual and physical) to google pay and apple Pay for fast, contactless payments.
Card controls: User can block or unblock cards, and view real-time transactions within the app.
Debit card
Plently offers both virtual and physical debit cards, giving users flexible access to their funds anywhere, anytime.
Key features:
Virtual and physical cards : Users can instantly request a virtual card or order a physical one with real-time delivery tracking.
Digital wallet integration : Users can link both card types (virtual and physical) to google pay and apple Pay for fast, contactless payments.
Card controls: User can block or unblock cards, and view real-time transactions within the app.
WEBSITE UI
Alongside the product experience, we also designed the website that communicates the brand’s mission and product value.
Here are some few shots:
LET'S GET IN TOUCH
Have a project idea? I am here to help!
LET'S GET IN TOUCH
Have a project idea? I am here to help!