Keep Your Money Growing by Francis MomohKeep Your Money Growing by Francis Momoh

Keep Your Money Growing

Francis Momoh

Francis Momoh

Keep your money growing

The Product

Cowrywise wealth management platform keep your money growing project.

The Problem

Alot of users withdraw money of just abandon it idle without any yields after a plan matures.

The Goal

Create a solution to help users make better decisions about their money instead of leaving it idle or unnecessary withdrawals.

My Role

Lead UX designer

Responsibilities

Conducting interviews
Paper and digital wireframing
Low and high-fidelity prototyping
Conducting usability studies
Accounting for accessibility
Iterating on designs.

User Research: Pain Points

It was difficult to transfer matured savings from to an investment.
Some users were sceptical as to what plans to not lose their money.
Also a lot of user just withdraw as the present flow was to either withdraw or keep the money locked for an extensive period again.
Some users just wanted the ability to have access to their money and were not willing to commit yet to a locked plan

User Persona

User Flow

Usability Study Finding

I conducted two rounds of usability studies. Findings from the first study helped guide the designs from wireframes to mockups. The second study used a high-fidelity prototype and revealed what aspects of the mockups needed refining.
Round 1 findings
The primary buttons lacked clear hierachy
Users wanted options suitable for them
Users were motivated by return rate
Round 2 findings
The transfer saving has too many steps
The actions were not clear

High-Fidelity Prototype

High-Fidelity Design

Takeaways

Impact
“The app made it so easy for me to move my savings and easily see the best returns building wealth.”
In the short time of release, it has helped increase substantially the number of investments, overall growing the AUM. Also, we are gradually seeing a new behaviour of more direct movements of matured savings plans to investments. And incorrellation of net input equal to net output. 
What I learned
I learnt speaking to the user is key, and testing and getting feedback as early as possible and good understanding beyond that which the user says can help in creating a more user centered product and meeting business needs.
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Posted Sep 24, 2025

Led UX design for Cowrywise, creating intuitive experiences that empower users to make smarter investment decisions and keep their money growing.