Discover’s New Goal: Personalizing Financial Wellness
A strategic collaboration using AI-powered solutions to deepen customer engagement and enable smarter banking interactions.
CLIENT
Discover Financial Services
ROLE
UX Design / Creative Direction
TOOLS
Figma
Managing personal finances can be overwhelming. Customers often lack clear visibility into their spending, making it difficult to budget effectively or identify opportunities to save. Discover challenged us to create a free, AI-driven experience that empowers users with clarity and control over their financial health.
Discover Money Tools delivers personalized insights, proactive guidance, and intuitive tools designed to turn financial data into meaningful action.
Discover Financial Services set out to evolve its digital ecosystem with financial wellness tools designed to drive deeper customer engagement. The challenge was to translate complex financial behaviors—like budgeting, expense tracking, and goal-setting—into intuitive, personalized experiences that customers would actually use.
Key Insights
Over 60% of customers wanted support with cash flow management, budgeting, and savings goals.
Existing solutions were often manual or basic, offering limited personalization or actionable guidance.
Our team was tasked to design an onboarding experience and product interface for a new insight and budgeting tool leveraging a 3rd party partner called Personetics and their white-label products to help empower users to take control of their financial health.
Discover wanted the tool to be easily accessible from their Account Center Home while also providing an intuitive, customizable dashboard. This dashboard needed to display real-time insights, track spending trends, and highlight actionable recommendations like identifying duplicate subscriptions or setting budgets.
Initially, opt-in was limited to a single tile on the Account Center Home, offering little context or clarity around the value of the financial wellness service.
Through stakeholder workshops and hands-on research collaboration, we realized a redesigned landing page needed to become the primary entry point. This would dramatically improve comprehension, trust in the platform, and overall opt-in rates. Additional access points were added across Features & Benefits and “What’s New” login modals, guiding users to a centralized experience that provided context and enabled enrollment.
Opt-in eligibility was limited to users with an established account history, allowing the system to deliver relevant, daily insights from the first day of use.
Behind the scenes, we designed personalized insights deeply integrated with Discover’s banking products and cash-back rewards. This created a gamified, engaging experience that helped users better understand their spending, build financial literacy, and progress toward budgeting and future investment goals.
Unique Insights & Spending Trends Analysis
Highlights patterns in user spending to help make smarter financial decisions.
Budgeting Tool
Assists users in setting and tracking budgets across different categories.
Personalized Dashboard
Offers a unique, customizable dashboard where users can view all their insights, budgets, and financial tools in one place.
Insights Inbox
Provides a centralized location for alerts, notifications, and essential updates, enabling users to take immediate action.
