MIMO MOBILE APP
Mimo (Verson 1.1, 2025) is a financial app that works like a digital wallet, allowing users to connect all their bank accounts and e-wallets in one platform. It enables users to view and monitor their total balance, make payments or transfers, and track their spending effortlessly.
TASK
Develop an all-in-one financial app that connects multiple bank accounts, enabling users to monitor balances, transactions, and spending from one dashboard.
ROLE
UX Research
UI Design
UX Design
Branding Design
Product Management
PROJECT INCLUDES
User Research
UI Design
Final Design
Prototype
Brand guideline
COMPANY
Personal Project
YEAR
2023 (Version 1.0)
2025 (Version 1.1)
BACKGROUND
Many Indonesians, especially those in urban areas like Jakarta, manage multiple bank accounts and e-wallets for different purposes. Tracking expenses across five or more platforms is often frustrating and inefficient, particularly as digital wallets increasingly replace cash. This pattern is common in Jakarta, where people tend to keep old accounts from previous jobs or promotional offers. User research also confirmed this behavior.
DESIGN STRATEGIES
Field Research
Understand the user's needs and pain points from direct interviews.
Features development
Develop features that align with user needs.
Brand Design
Develop a visual design that represents the product brand.
UI Development & Testing
Design a screen based on UX strategies and ensure it syncs with the brand design.
FINDINGS
User Interview
The chart above presents data from interviews with 15 individuals, showing that each person manages more than two active financial accounts, including both traditional bank accounts and E-Wallets. On average, participants actively use four financial accounts daily. Moreover, each money account has its own corresponding mobile app, and individuals consistently download and actively use these apps.
This list comprises commonly used banks and e-wallets in Indonesia.
Following the user interviews, my decision was to utilize the Affinity Diagram for synthesizing the acquired data.
To ensure that the solution I proposed aligns with the user's problems, I developed a concept model based on insights gathered from interviews.
QRIS Payment in Indonesia
QRIS (Quick Response Code Indonesian Standard) is a unified QR code system developed by Bank Indonesia to simplify digital transactions. Instead of using different QR codes for each payment provider, QRIS enables users to make payments from any e-wallet or mobile banking app using just one standardized code.
All mobile banking and e-wallet applications in Indonesia are required to include QRIS as a main payment option.
The screens above were captured directly from my personal bank and e-wallet accounts (updated November 2025).
USER FLOW
I then designed a user flow to map out how users navigate the product to accomplish their goals. This process helps assess whether each step feels intuitive and efficient, making sure users can complete their tasks smoothly without confusion or unnecessary effort.
UNDERSTAND THE USER'S NEEDS
Prioritizing user needs, I've developed user stories based on all available data (research, reviews). These stories capture students' goals and expectations when using Cakap's platform.
🙋🏼♀️
I want to see all of my money in one place so that I can view the total amount across all accounts and know exactly how much money I have.
🙋🏻
I want a basic monthly report that shows all my money from different accounts in one place, so that I can quickly and easily manage my spending.
🙋🏿♂️
I want to send and top up money between different accounts and view the results without having to exit the app.
🙋🏻
I want to make payments using a QRIS Code and have the flexibility to choose the funding source from either my active bank account or my e-wallet.
THE IDEATION PROCESS
To generate ideas and explore more possibilities for tackling the challenge, I always start with sketches and then translate them into low-fidelity digital wireframes. This process allows me to rethink and evaluate my decisions before moving on to high-fidelity designs.
BRAND AND VISUAL LANGUAGE
Mimo comes from the phrase “Mingle Money” which literally represents a place where funds from multiple user accounts come together.
Mimo’s user interface is inspired by a physical card wallet, using familiar shapes and layouts to create an intuitive and user-friendly experience. This design approach replicates the simplicity and familiarity of handling real-world cards.
Logo
Designed in a logotype style to strengthen brand recognition and highlight simplicity. The Intel One Mono font was chosen for its expressive, legible, and structured character — ideal for a product rooted in clarity and precision. The lowercase “ i ” subtly resembles the number "1", symbolizing the concept of all accounts merging into one platform.
Colors
Canary Yellow serves as the primary color, evoking positivity, clarity, and empowerment in financial management. It’s balanced by Coral Black as a secondary tone, creating a strong yet elegant contrast. Complementary shades derived from both colors ensure visual harmony, maintaining comfort and readability across the entire interface.
Pattern
The visual pattern draws inspiration from the Amazon River’s branching flow, representing how funds from various accounts converge into one unified source. The flowing lines illustrate movement, connection, and continuity, mirroring Mimo’s purpose — to bring diverse financial sources together into a single, cohesive view.
Image from Freepik.com (free resource, modified).
THE SOLUTION
Challenge 1
👷🏻♀️
How might we create a platform where users can see all their money in one platform, making it easy for them to know exactly how much they have across all accounts?
✨
Quick Balances: View all account balances and totals at a glance from the home screen.
Challenge 2
👷🏾
How might we create a straightforward monthly report that gathers info from different accounts, giving users a quick look at their spending and helping them manage their money better?
✨
Detailed Reports: Track spending with in-depth expense reports (by account, category, date) accessible through the Reports menu.
Challenge 3
👷🏿♂️
How might we simplify sending and topping up money between different accounts in the app while letting users view the results without leaving?
✨
Seamless Transfers: Top up e-wallets or transfer money between accounts directly within the app. No need to switch apps.
Challenge 4
👷🏾
How might we enable users to easily pay with a QRIS Code and choose whether the money might come from their bank or e-wallet?
✨
Flexible Payments: Pay anyone easily with QR codes (QRIS) and choose the preferred account for each transaction.
LIVE PROTOTYPE
Please explore this live prototype to experience the finalized flow and design, which have been implemented as the final version.
PREVIOUS UI/UX DESIGN (2023, VERSION 1.0)
This is the Version 1.0 design from 2023. After re-evaluating the UI/UX, iterating, and running tests with three users, I redesigned the entire flow and developed Version 1.1 (2025) shown above. This section documents the evolution of the design. Although the users’ needs stayed consistent, two years of insight allowed me to create a much stronger, more refined approach.
TAKE AWAY
Impact
Financial Clarity: Users see all accounts and balances in one place.
Effortless Tracking: Automated reports detail spending for better management.
Seamless Transfers: No app switching needed for transfers or top-ups.
Flexible Payments: Users choose funding source (bank or e-wallet) for QRIS payments.
What I learned
User-Centric Design: Focus on centralizing finances and easy money management.
Data Aggregation: Combine data for a complete financial picture.
Single Platform: Design an app where users do everything in one place.
Payment Flexibility: Offer multiple funding options for payments.
GET IN TOUCH
© FENDRA PUNU. SENIOR PRODUCT DESIGNER (UI/UX). JAKARTA - INDONESIA. 2025. ALL RIGHTS RESERVED.