Small and medium businesses (SMBs) often struggle with several financial literacy deficiencies, like Cash Flow Management, Budgeting and financial planning, and understanding financial statements.

How might I educate SMB owners on financial concepts in a way that is engaging, easy to grasp, and rewarding, while staying aligned with Tide’s ecosystem?

A weekly quiz-based learning experience.

Users test their knowledge on financial concepts (e.g., cash flow management, budgeting) and instantly learn through explanations.

Rewards and progress tracking motivate them to return and continue learning.

The Play & Earn card serves as an entry point for users to take a short quiz and earn rewards by answering a few questions based on financial concepts.

The goal is to subtly educate small and medium business owners while keeping the experience engaging and rewarding.

Placing the Play & Earn card within the Payments section strategically motivates users to interact with the feature and encourages clicks on the “Claim Now” CTA.

On this page, progress indicators show users how close they are to unlocking rewards. Completed and locked quizzes create a clear sense of progress and encourage users to continue.

Rewards are connected to real Tide benefits, making the experience feel useful rather than gamified.

The quiz uses a heart (lives) system to limit repeated attempts and prevent random guessing. Each attempt consumes one heart.

If a user scores low or does not achieve the required points to unlock a reward or the next quiz, they can retake the quiz by tapping “Play Again” and attempting to reach the required score. Each retry consumes another heart, and users are given a total of five hearts (lives).

Overall, the screen creates a simple behavioural loop for users:

This shifts financial literacy from a task into an engaging product interaction.

The quiz flow is designed to make learning feel quick and easy. Each question is based on real business situations, helping SMB owners understand financial concepts without feeling like they are studying.

Showing one question at a time keeps the experience simple and focused. Users can answer quickly, track their progress, and move forward without friction.

Instant feedback explains the correct answer and connects the concept to relevant Tide features, making the learning practical and useful.

The outcome screen gives users clear feedback after each quiz. If the required score isn’t met, users are encouraged to retry without feeling penalised.

When a quiz is completed successfully, the reward is highlighted, reinforcing progress and effort. The screen keeps the next action simple Start Next Session or return to the Quiz Board Page.

When users have only one heart remaining or run out of hearts, they can either wait for hearts to regenerate over time (one hour per heart) or revive them by completing a simple in-app action, such as enabling bill payment reminders. This keeps the system useful and connected to Tide’s features rather than feeling like pure gamification.

This feature encourages users to continue taking quizzes while reducing careless attempts.

The Learning Progress screen shows users their quiz activity and performance at a glance. It highlights completed sessions, accuracy, and time spent, making progress easy to understand.

Modules and rewards are clearly listed, helping users see what they’ve finished and what they’ve unlocked. This keeps the experience transparent and encourages users to continue.

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