Start with the goal
Let people describe what they want in natural language and give them suggested prompts for common intentions.
PRODUCT DESIGN / AI-NATIVE FINTECH / 2026
Mira. Money goals, made human.
A mobile banking concept that transforms “I want to save for a holiday” into a realistic savings plan — pairing conversational AI with transparent financial guidance and familiar user controls.
01 / THE PROBLEM
Traditional banking starts with menus. People start with goals.
Banking products often require people to understand account types, navigation and financial products before they can act. In reality, people think in intentions: “Can I afford to save?” “How much can I put away?” I explored an AI-native alternative that starts with those questions.
How might we help people turn a financial intention into a clear, actionable plan without taking away their control?
02 / DESIGN PRINCIPLES
AI that helps, explains and asks.
Show the reasoning
Reveal income, spending categories, what remains and why a monthly contribution is suggested.
Confirm before acting
Separate financial analysis and recommendations from user approval of a scheduled savings plan.
03 / EXPERIENCE FLOW
One goal. Five clear stages.
The scenario is simple: save €3,000 for a summer holiday, but first figure out how much is affordable each month.
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Ask Mira
Express a goal in plain language.
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Allow analysis
Review the scope of account-data use.
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Understand
See spending and a recommended amount.
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Approve
Verify schedule, amount and forecast.
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Follow through
Find the new plan among active goals.
Meet users at their starting point.
Mira keeps conventional banking actions available while introducing a persistent “Ask Mira anything” entry point. Suggested actions like “Save for holiday” help someone begin without navigating unfamiliar product categories.
Permission before personal analysis.
Mira explicitly explains that it will review the last three months of financial activity and that this analysis will not move money or change account settings. A clear “Not now” choice makes consent meaningful.
Mira
Your financial assistant
I want to save €3,000 for a holiday next summer, but I'm not sure how much I can afford each month.
✧ That's a great goal! I can help you work out a realistic monthly amount.
Your financial overview
I'll use the last 3 months of account activity. This won't move any money or change your accounts.
Not now
Make the recommendation understandable.
The financial overview presents €2,450 monthly income, €1,300 essential spending and €600 other spending. This leaves €550; Mira suggests €335 a month and explains that approximately €215 remains as a buffer. Showing the math makes the suggestion easier to evaluate.
Your monthly overview
Monthly income: €2,450
Essential €1,300 Other €600
Remaining €550
Mira's suggested monthly savings
€335/month
Reach €3,000 by July 2027, with a buffer of approximately €215 per month.
✧ Why Mira recommends this
Based on recent spending, you have around €550 left each month.
A conversation can recommend. A structured screen confirms.
The review page summarises the goal, contribution, first transfer, frequency and expected finish date in a familiar layout. It makes the plan inspectable before a deliberate confirmation.
‹ Back to Mira chat
Review your plan
Make sure everything looks right before confirming.
✈ Holiday savings
Goal €3,000
Monthly saving: €350
First transfer: 1 Nov 2026
Frequency: Monthly
Estimated goal: July 2027
✧ Mira's insight: Approximately €200 monthly buffer.
The screens intentionally show a €335 suggested amount and €350 reviewed amount. A production-ready iteration would need to make that user adjustment explicit and editable.
Leave users with something tangible.
The confirmation state and goals screen make the result of the conversation persistent. The €3,000 goal, €350 monthly contribution, 0% progress state and next scheduled date are visible without revisiting the chat history.
‹ Back to Mira
✓
✈ Holiday savings
Goal €3,000
€350 Monthly · 0% saved
Next transfer: 1 November 2026
04 / OUTCOME
A complete AI-assisted savings journey.
The result is a seven-screen conceptual mobile experience connecting natural-language intent, transparent financial guidance and direct user approval. This is a design exercise, not a live banking product or a measured launch.
05 / REFLECTION
AI needs structure when decisions matter.
This concept reinforced a principle: conversational design is useful for expressing intent, but consequential financial actions benefit from structured review, explicit permission and clear system feedback.
Next I would test whether people understand analysis versus transfer scheduling, whether the savings explanation gives appropriate confidence, and how easily they can edit the proposed contribution. No usability-testing results are claimed for this exercise.