Product design for a employee focused financial wellness app

My role
User research, prototyping and UI design. Product strategy. Builted and mantained a design system.
70+ Clients (companies) and more than 5.500 active users. More than R$ 15 million borrowed and customer satisfaction above 88%.
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In the early years of the company, our goal was to develop services that helped people solve financial emergencies. However, we faced challenges such as finding ways to help people get out of debt, understanding the context of those in debt, and investigating how we could assist people in making better financial decisions.


The first service offered was salary advance. Using it, employees could advance up to 35% of the amount they were to receive and it would be deducted from their paycheck the following month.

Then, we began a continuous cycle of customer interviews (with partner company employees) to understand their needs and we identified four main patterns:

Financial emergencies
Some people do not have access to credit and need extra money when a financial emergency occurs, such as paying a bill, buying medicine, or shopping at the supermarket.
Debts with abusive interest rates
Others have debts with high interest rates and would like to exchange these debts for lower interest payments.
People starting to save
Others have recently balanced their finances and are looking for incentives to save.
Dealing with money
Finally, companies had the need to ensure that their employees knew how to balance their finances, since financial well-being is directly linked to productivity.

We developed four services to meet these needs and tested each idea in interviews, usability tests, and value tests, iterating when necessary.

User experience

Assisting the customer in making the best decisions with minimal cognitive effort has always been one of the pillars for building interfaces.

These are some examples of feature and product decisions taken in this direction:

Avoding high debts

When we are in debt or going through some financial scarcity, we tend to make worse decisions. To help people in this situation, in the payroll loan product, we created a loan simulation that calculates the total paid based on how much the person can afford monthly.

You can access the prototype of this simulation, used in usability and value tests.

When the user chooses the amount to pay monthly, we recalculate the total to be paid. That way, the customer makes the operation that fits in their budget

Design system

In order to maintain consistency and streamline the design-to-development handover process, I have created a modular design system that revolves around reusable components and their various states. These components include cards, list items, and controls. By employing this system, each component can be effortlessly rearranged and seamlessly integrated with others, all while upholding design consistency and preserving familiar UI patterns for the user.

The complex nature of the app required a design system to facilitate the creation of experiments with new functionalities.


B2B financial wellness services were discontinued in early 2022. While customers were satisfied with using the product, few companies were interested in offering this service to their employees, which led Facio to pivot its product to the B2C market.


In these products, I was responsible for creating interfaces, interviewing and conducting usability tests with clients, creating content, and measuring satisfaction with the service.