Helping Users Track Their Finances Smarter with Spending Statistic

A. Knowing the Why?

Before this feature existed, most Dipay users simply used the app for quick transactions, to top up, pay bills, or scan QR codes. However, there was no way for them to review how much they were actually spending, or on what.

As a result, users often lacked financial awareness. They might overspend across categories like “Shopping” or “Eat & Drinks” without realizing it, and there was no visual cue to help them reflect on their habits.

That gap inspired us to build Spending Statistic, a feature that helps users understand their monthly expenses by automatically categorizing and visualizing their transactions, without requiring any manual input.

That insight led us to design a new feature:

Spending Statistic → a monthly transaction breakdown grouped into meaningful categories to help users understand their financial habits.

Rather than asking users to log their expenses manually, we designed a system that detects, categorizes, and visualizes spending patterns automatically, giving users a financial mirror they could trust.

This led us to the development of four key sub-features:

Automatic Tracking → all transactions recorded seamlessly behind the scenes

Spending Categories → grouped into 7 everyday segments to help users interpret spending faster

Monthly Comparison → shows increases or decreases in each category compared to previous month

Spending Chart → a visual donut chart to quickly scan where most money goes

The intention behind these features was clear:

To empower users to build financial awareness without friction, helping them identify patterns, spot problems, and eventually feel more in control of their money.

B. Design Process

I led this project as Lead Product Designer, collaborating with two product designers and one product manager. My role was to guide the UX vision, define the structure of insights, and align experience patterns across the product.

The feature was designed to answer a simple question → “Where is my money going?”

We structured the experience to feel effortless and data-driven, with clarity as a design priority. To ensure we were building a product users would truly benefit from, we benchmarked how similar products delivered spending insights.

User Goals

Understand where their money goes → Users get categorized summaries of their monthly spending, updated automatically

Compare their spending across time → With monthly percentage differences and trend icons, users can reflect and adjust habits.

Get insights without manual work → Everything works in the background, no extra setup or effort needed.

Business Goals

Increase user retention → Financial awareness creates stickiness; users return monthly to check their stats.

Strengthen perceived value of Dipay → Going beyond transactions into personal finance helps Dipay stand out in a crowded payments space.

Enable future monetization → Spending habits open up opportunities for cross-sell (e.g., financial products, savings goals).

Key Findings

With goals aligned, I benchmarked other app like Bank Jago (a digital bank) and Pina (a budgeting + investment app) to gather answers to specific questions.

Benchmarking from other app’s

What makes Bank Jago's spending insights work? → Jago keeps insights clean, visual, and tailored for younger users. It supports flexible category editing and offers monthly comparisons, which gave us the idea to include visualized changes and grouping flexibility.

What does Pina do well for non-bank users? → Pina’s UI is fresh and includes goal budgeting. While their categorization is generic, they integrate investment tracking too. We took inspiration from their simplicity but opted for tighter data mapping to actual transactions.

Spending Category

On the Statistik page, users can view all 7 spending categories as stacked cards, each showing icon, label, and amount. This card layout reduces scanning friction and reinforces segmentation.

Spending Category Cards

Statistic Entry Point on Homepage

The feature was placed in the Dompet section of the homepage. It shows the top 3 categories and total spending with a CTA to “Lihat Statistik.”

New Card on Homepage

Full Statistic Page with Donut Chart

Tapping “Lihat Statistik” brings users to a dedicated Statistik page, where a donut chart summarizes their full monthly spending. Users can navigate by month and view breakdowns per category.

New Statistic Page

Auto-Categorized Payment Proof

Each completed transaction from QRIS, PPOB, to transfers, is instantly labeled with the proper spending category on its success screen. To enable this, we used a merchant keyword/tag mapping system, and applied fallback heuristics when category confidence was low.

New QRIS Payment Proof

New Transfer Payment Proof

PPOB Payment Proof

D. Learnings

This project taught me how powerful data can be when it’s visualized simply. Most users don’t need accounting-level granularity, they just want awareness.

Even without user interviews, we delivered something useful and the feedback showed it: users began referencing categories like “Shopping” and “Bills” when discussing their expenses, something that never happened before.

Spending Statistic proved that thoughtful defaults and invisible UX can meaningfully change behavior, even in products as routine as digital wallets.

Live Mobile App