UX exploration · Fintech · Savings
Cercle
A digital tontine that keeps the spirit of the system: trust, transparency, reminders.
Personal project — UX exploration, non-commissioned.
Context
A personal exploration around the tontine — rotating savings among peers, a pillar of saving in Togo, still run on a notebook and from memory.
Problem
Missed contributions, disputes over the order of turns, no traceability. How to bring transparency and automatic reminders without betraying the simplicity and trust of a system run among peers?
Persona
Afiwa
Trader at the Grand Marché in Lomé
Need : See at a glance who has paid and whose turn it is, and remind members without hounding them.
Process
- 01
Immersion
Observing the paper ritual and its roles (president, order of turns) so as not to break what works.
- 02
User flow
Create a circle → invite members → set the order of turns → contribute → receive your turn.
- 03
Wireframes
Low-fi structure built on one visual metaphor: the circle that turns.
- 04
UI
A clear interface, strong visual cues, designed for varied digital literacy.
Wireframes
Low-fi wireframes: a progress ring (the current turn), a member list with contribution status, a one-tap reminder screen.
Mocked screens
Personal project — UX exploration, non-commissioned.
Cercle
Tontine des amies
45 000 F collectés
Circle dashboard
The ring of the current turn, the amount collected and who has already paid.
Échéancier des tours
À toi le
15 mars
Tu reçois 120 000 F
My turn is coming
The schedule of turns and the date when it's my turn to receive the pot.
Rappel de cotisation
Koffi
Pas encore cotisé
Salut Koffi 👋 petit rappel amical : la tontine attend ta cotisation de ce mois. Merci !
Contribution reminder
A friendly reminder, ready to send to members who haven't paid yet.
Takeaway
Hypothesis: the « circle that turns » metaphor would read more clearly than a table of figures for following the order of turns. To be tested with a few real tontines.
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