Aspire is a digital learning tool that aids users, specifically PNC mass-affluent customers, with bridging the gap between short-term spending habits and long-term financial management. Because Aspire is primarily a learning experience, our group focused on maintaining the motivation and sustaining engagement of customers using our tool.
Getting Started with Aspire
Finding value and motivation in online, financial management is one of the biggest reasons why people have trouble envisioning their future, and strategically saving for it. Aspire shows customers how long-term goals, such as saving for a child's college education, can be a less daunting task than it needs to be. We achieve this through drawing parallels between their daily spending habits and their long-term savings plan
Using the Aspire Goal Planning Tool
manageable goals, connecting other individuals involved in the process such as their children or spouse, and rewarding their incremental achievements.
Thinking about a goal that ends 10 or 20 years down the line, especially one you have to plan financially for, is incredibly challenging for many people. However, Aspire takes the approach of breaking smaller tasks down incrementally, so that saving for something like college or retirement seems achievable no matter what stage of the process you are in. Through our designed, digital experience, we motivate customers by helping them set
Saving for College: Our Paradigm Case
Saving for college is one of the most common long-term financial goals that people have. It's also one that incorporates many different people within and outside a family. However, the current financial planning landscape does not afford these interactions and joint decisions to exist within their platforms. Aspire focuses on collaboration in long-term goals as a primary source of engagement and motivation for users.
Assessing the Stakeholder Landscape
One of the first exercises we did while brainstorming our concept was mapping out the stakeholders and services involved in financial planning. This helped us to visualize the relationships of different people, their interactions, and how we could leverage their skills and motivations.
Our Design Approach
With user learning and growth as our primary goal for the Aspire tool, we chunked the user experience incrementally so that as customers progress through a long-term goal, they gain skills, knowledge, and confidence. We incorporated several learning theories and scaffolding techniques into our journey map.
Applying Learning Theories
As learner experience design was the main guiding principle of our concept, we synthesized various learning theories developed by designers, anthropologists, and psychologists such as Julie Dirksen, Susan Ambrose, and Bernice McCarthy. This synthesis acted as our model of development throughout the various stages of our project, including research, ideation, prototyping, and rendering of our final product.
Mapping the User Experience
For several weeks, we focused on the customer's journey through the Aspire tool. With our main focuses of engagement, motivation, and overall enjoyment, we mapped out all the possible interactions that a customer might encounter within the Aspire tool, constantly reaffirming that interest and value would not be lost.
Developing a Visual Language
Visual and written language, particularly in a banking setting where trust is essential, were incredibly crucial components to our project. We spent several days developing color palettes, testing dialogue and written feedback that Aspire would provide to its users, and setting a trustworthy yet approachable typeface for our platform.