Personalized financial calculator
Personalized financial calculator
Finanzguru by Dwins GmbH
Finanzguru by Dwins GmbH
Master thesis
Financial projection
UX & Service Design
Behavioral Design
Role
User Research, Stragegic Design, UX / UI Design, Behavioral Design, A/B Testing
Duration
5 months
Type of Work
Master thesis
Team
Single work
Master thesis
Financial projection
UX & Service Design
Behavioral Design
Role
User Research, Stragegic Design, UX / UI Design, Behavioral Design, A/B Testing
Duration
5 months
Type of Work
Master thesis
Team
Single work
Master thesis
Financial projection
UX & Service Design
Behavioral Design
Role
User Research, Stragegic Design, UX / UI Design, Behavioral Design, A/B Testing
Duration
5 months
Type of Work
Master thesis
Team
Single work
Summary and
Impact
Empowering young women towards financial independence
My master’s thesis explores how young women in Germany can be empowered to take control of their financial future. Using qualitative research, behavioural analysis and human-centred design, it uncovers structural, educational and psychological barriers to financial equality. In collaboration with FinTech company Finanzguru, the project turns insights into action. The outcome: a digital financial simulation tool and conversation cards that build awareness and confidence around money. The goal is to drive long-term behavioural change and support fairer financial participation.
Main contributions included:
Development of a digital financial simulator that visualises personal and financial scenarios.
Conduct an A/B test to evaluate the effectiveness of gender-specific design and communication approaches.
Strategic framework for female-focused financial education, grounded in behavioural design and empowerment.
Summary and
Impact
Empowering young women towards financial independence
My master’s thesis explores how young women in Germany can be empowered to take control of their financial future. Using qualitative research, behavioural analysis and human-centred design, it uncovers structural, educational and psychological barriers to financial equality. In collaboration with FinTech company Finanzguru, the project turns insights into action. The outcome: a digital financial simulation tool and conversation cards that build awareness and confidence around money. The goal is to drive long-term behavioural change and support fairer financial participation.
Main contributions included:
Development of a digital financial simulator that visualises personal and financial scenarios.
Conduct an A/B test to evaluate the effectiveness of gender-specific design and communication approaches.
Strategic framework for female-focused financial education, grounded in behavioural design and empowerment.
Summary and
Impact
Empowering young women towards financial independence
My master’s thesis explores how young women in Germany can be empowered to take control of their financial future. Using qualitative research, behavioural analysis and human-centred design, it uncovers structural, educational and psychological barriers to financial equality. In collaboration with FinTech company Finanzguru, the project turns insights into action. The outcome: a digital financial simulation tool and conversation cards that build awareness and confidence around money. The goal is to drive long-term behavioural change and support fairer financial participation.
Main contributions included:
Development of a digital financial simulator that visualises personal and financial scenarios.
Conduct an A/B test to evaluate the effectiveness of gender-specific design and communication approaches.
Strategic framework for female-focused financial education, grounded in behavioural design and empowerment.
Project Details
Cooperation with Finanzguru
I developed my thesis in collaboration with Finanzguru, a German fintech focused on personal finance. Working with their design team offered real insight into user behaviour and product development. The partnership enabled expert interviews, user testing and ongoing feedback. An in-app A/B test explored gender-specific communication and visual design. The research gave Finanzguru new perspectives on female financial behaviour and inclusive product strategy.
Problem space
Despite rising awareness, young women in Germany still face major barriers to financial independence. Structural inequality, traditional gender roles and limited financial education combine with insecurity and low confidence. As a result, many women avoid financial decisions, which limits their freedom and reinforces systemic inequality.
Project goals
The project empowers young women to take control of their finances with accessible and motivating tools. Using behavioural insights and interactive design, it lowers entry barriers, builds confidence and encourages ongoing financial engagement—contributing to greater financial equality and resilience.
Project Details
Cooperation with Finanzguru
I developed my thesis in collaboration with Finanzguru, a German fintech focused on personal finance. Working with their design team offered real insight into user behaviour and product development. The partnership enabled expert interviews, user testing and ongoing feedback. An in-app A/B test explored gender-specific communication and visual design. The research gave Finanzguru new perspectives on female financial behaviour and inclusive product strategy.
Problem space
Despite rising awareness, young women in Germany still face major barriers to financial independence. Structural inequality, traditional gender roles and limited financial education combine with insecurity and low confidence. As a result, many women avoid financial decisions, which limits their freedom and reinforces systemic inequality.
Project goals
The project empowers young women to take control of their finances with accessible and motivating tools. Using behavioural insights and interactive design, it lowers entry barriers, builds confidence and encourages ongoing financial engagement—contributing to greater financial equality and resilience.
Project Details
Cooperation with Finanzguru
I developed my thesis in collaboration with Finanzguru, a German fintech focused on personal finance. Working with their design team offered real insight into user behaviour and product development. The partnership enabled expert interviews, user testing and ongoing feedback. An in-app A/B test explored gender-specific communication and visual design. The research gave Finanzguru new perspectives on female financial behaviour and inclusive product strategy.
Problem space
Despite rising awareness, young women in Germany still face major barriers to financial independence. Structural inequality, traditional gender roles and limited financial education combine with insecurity and low confidence. As a result, many women avoid financial decisions, which limits their freedom and reinforces systemic inequality.
Project goals
The project empowers young women to take control of their finances with accessible and motivating tools. Using behavioural insights and interactive design, it lowers entry barriers, builds confidence and encourages ongoing financial engagement—contributing to greater financial equality and resilience.
Project result
The project resulted in the development of a digital financial simulator for the ‘Mātā’ initiative in collaboration with Finanzguru. This tool empowers young women to explore the impact of life choices such as career, family and investments on long-term finances, turning complex data into interactive, personalised scenarios to help them make confident, informed decisions.
Project result
The project resulted in the development of a digital financial simulator for the ‘Mātā’ initiative in collaboration with Finanzguru. This tool empowers young women to explore the impact of life choices such as career, family and investments on long-term finances, turning complex data into interactive, personalised scenarios to help them make confident, informed decisions.
Project result
The project resulted in the development of a digital financial simulator for the ‘Mātā’ initiative in collaboration with Finanzguru. This tool empowers young women to explore the impact of life choices such as career, family and investments on long-term finances, turning complex data into interactive, personalised scenarios to help them make confident, informed decisions.
Process
01
Research
Literature and expert insights were analyzed to understand barriers to female financial independence.
02
Analysis
User and market data were evaluated to define needs and reveal design opportunities.
03
Conception
Behavioral and strategic concepts were developed to empower women financially.
04
Design
The concept was translated into a user-centered prototype through iterative design.
05
Testing
User testing was conducted to refine usability and validate the simulator’s impact.
Process
01
Research
Literature and expert insights were analyzed to understand barriers to female financial independence.
02
Analysis
User and market data were evaluated to define needs and reveal design opportunities.
03
Conception
Behavioral and strategic concepts were developed to empower women financially.
04
Design
The concept was translated into a user-centered prototype through iterative design.
05
Testing
User testing was conducted to refine usability and validate the simulator’s impact.
Process
01
Research
Literature and expert insights were analyzed to understand barriers to female financial independence.
02
Analysis
User and market data were evaluated to define needs and reveal design opportunities.
03
Conception
Behavioral and strategic concepts were developed to empower women financially.
04
Design
The concept was translated into a user-centered prototype through iterative design.
05
Testing
User testing was conducted to refine usability and validate the simulator’s impact.
Process
01
Research
Literature and expert insights were analyzed to understand barriers to female financial independence.
02
Analysis
User and market data were evaluated to define needs and reveal design opportunities.
03
Conception
Behavioral and strategic concepts were developed to empower women financially.
04
Design
The concept was translated into a user-centered prototype through iterative design.
05
Testing
User testing was conducted to refine usability and validate the simulator’s impact.
Research
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Research
Research
Analysis
Analysis
Analysis
Conception
Conception
Conception
Design
Design
Design
Testing
Testing
Testing
Video
Video
Video
Personal learning
Through this project, I realised how deeply psychology influences design, especially with regard to behavioural change and motivation. Understanding emotional triggers and cognitive barriers is essential for creating an empowering user experience.
Conducting the A/B test and performing its statistical evaluation strengthened my ability to work with data-driven insights and translate them into meaningful design decisions. Taking on such a comprehensive project independently taught me to balance creativity, structure and perseverance.
At the same time, I learned how crucial external feedback is, whether from Finanzguru collaborators or fellow students, to overcome obstacles and recognise new perspectives. Ultimately, I realised that progress often necessitates abandoning ideas that do not benefit the user. Making decisions based on research and evidence, even if it means discarding a favourite idea, invariably yields a stronger outcome.
Personal learning
Through this project, I realised how deeply psychology influences design, especially with regard to behavioural change and motivation. Understanding emotional triggers and cognitive barriers is essential for creating an empowering user experience.
Conducting the A/B test and performing its statistical evaluation strengthened my ability to work with data-driven insights and translate them into meaningful design decisions. Taking on such a comprehensive project independently taught me to balance creativity, structure and perseverance.
At the same time, I learned how crucial external feedback is, whether from Finanzguru collaborators or fellow students, to overcome obstacles and recognise new perspectives. Ultimately, I realised that progress often necessitates abandoning ideas that do not benefit the user. Making decisions based on research and evidence, even if it means discarding a favourite idea, invariably yields a stronger outcome.
Personal learning
Through this project, I realised how deeply psychology influences design, especially with regard to behavioural change and motivation. Understanding emotional triggers and cognitive barriers is essential for creating an empowering user experience.
Conducting the A/B test and performing its statistical evaluation strengthened my ability to work with data-driven insights and translate them into meaningful design decisions. Taking on such a comprehensive project independently taught me to balance creativity, structure and perseverance.
At the same time, I learned how crucial external feedback is, whether from Finanzguru collaborators or fellow students, to overcome obstacles and recognise new perspectives. Ultimately, I realised that progress often necessitates abandoning ideas that do not benefit the user. Making decisions based on research and evidence, even if it means discarding a favourite idea, invariably yields a stronger outcome.
Personal learning
Through this project, I realised how deeply psychology influences design, especially with regard to behavioural change and motivation. Understanding emotional triggers and cognitive barriers is essential for creating an empowering user experience.
Conducting the A/B test and performing its statistical evaluation strengthened my ability to work with data-driven insights and translate them into meaningful design decisions. Taking on such a comprehensive project independently taught me to balance creativity, structure and perseverance.
At the same time, I learned how crucial external feedback is, whether from Finanzguru collaborators or fellow students, to overcome obstacles and recognise new perspectives. Ultimately, I realised that progress often necessitates abandoning ideas that do not benefit the user. Making decisions based on research and evidence, even if it means discarding a favourite idea, invariably yields a stronger outcome.
