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Introduction

Over 60% of the UAE’s population are unbanked or underbanked, largely because they earn less than the banks minimum salary requirements. We set out to change that.

Over 60% of the UAE’s population are unbanked or underbanked, largely because they earn less than the banks minimum salary requirements. We set out to change that.

Client

Huru

Role

Brand & Product design

Industry

Financial Services

Insights

Through jobs-to-be-done interviews we uncovered 3 core insights which frame how the unbanked engage with money

Through jobs-to-be-done interviews we uncovered 3 core insights which frame how the unbanked engage with money

01

Everyone comes to the UAE with a dream, but the longer they spend here, the further they feel from achieving it.

02

People want to save more, but if money is accessible, it finds a way to get spent.

03

Everyone knows they should be doing more with their money, but will only trust something new if it’s recommended by their network.

These insights drove the development of a value proposition…

These insights drove the development of a value proposition…

Your dream, made real. Every person comes to the UAE with a dream, but then life gets in the way. We help you rediscover your dream, and make it real.

Your dream, made real. Every person comes to the UAE with a dream, but then life gets in the way. We help you rediscover your dream, and make it real.

"I can't get access to any banking apps due to my low salary. When I do get paid, I stash money in different envelopes to help me manage my bills and savings"

"I can't get access to any banking apps due to my low salary. When I do get paid, I stash money in different envelopes to help me manage my bills and savings"

User interview participant

Cleaner

How it comes to life

How it comes to life

A smart money-management app that puts your dream at the heart of every money decision.

A smart money-management app that puts your dream at the heart of every money decision.

What makes Huru different?

What makes Huru different?

Full money transparency

With everything money related in one place, customers can easily see all their accounts, transactions, and balances at a glance. This clear overview helps people stay in control and make informed decisions about their money.

Accelerating progress

With no access to digital banking, a vast majority of the UAE have no way to earn interest on savings. This led us to develop a pot system that tapped into existing physical behaviours uncovered in the discovery phase. Pots help users effortlessly grow their savings and automatically allocates the interest earned to their dream. This system ensures that savings work harder whilst accelerating progress and bringing customers dream closer to reality.

Reducing the mental load

We heard that customers found remittance tedious so we set out to make it as simple as possible. Transparent fees, speedy transfers and a clear interface differentiates Huru in a crowded, complicated market.

Contributors

Contributors

Lippincott EMEA

Lippincott EMEA

Next Project

Next Project

Got a great idea?

Copyright

© GRAZIER 2024

Got a great idea?

Copyright

© GRAZIER 2024

Got a great idea?

Copyright

© GRAZIER 2024