Smart Insights

Chexy already holds the bills. Our users, financial optimizers, keep their own spreadsheets of which card earns most on which bill. The goal was to do that for them, and better.

Team
Role
Christine Ung
Product Designer
Allison Tse
Head of Product
Abhi Patel
Lead Engineer
Timeline
2 weeks

While every fintech is fighting to be Canada’s sixth bank. Chexy’s angle is to capture the household bills.

Calendar

A calendar view of all your bills. Difficult to visualize in a personal Excel sheet. A snapshot of your money in (pay) and money out (bills). 92% called it helpful.

1
Track your bills with Chexy
Users were asking to add bills from outside the platform — an opportunity to upsell.
2
Visualize your payday
See both money in and money out.
3
Stamp credit card due dates
Opportunity to enhance with statement dates, and the extra runway Chexy buys them.
Calendar view
iOS widgets

It’s pay week

Sun

Mon

Tue

Wed

Thu

Fri

Sat

Fitzrovia

2

3

4

5

Telus

7

8

American Express

10

11

12

13

14

Pay day
+2
+3

18

19

Fido

21

22

Canada Life

24

25

26

27

GoodLife Fitness

29

Alectra

31

Updated 9:03 AM

It’s pay week

11

12

13

14

15

Pay day
Rogers

16

Toronto HydroManulife

17

Enbridge Gas+2

Updated 9:03 AM

Pay day

15

Rogers
Pay day

It’s pay week

FitzroviaTelusAmerican ExpressPay dayToronto HydroCity of TorontoFidoCanada LifeGoodLife FitnessAlectra

Cash flow

Equipping my Product lead with the toolkit to prototype. I stepped in to clean up, refine, and hand off. Users can visualize their total pay, less their bills, to see what’s leftover. And whether that’s a healthy number. 67% called it helpful.

1
Barometer of total pay allocated to bills
Calculate your safe-to-spend number.
2
Paid with credit card
Group under one total charge.
Cash flow

Credit card overview

Late payments are painful, and not every bank reminds you when a statement posts or when it’s due. Chexy puts every card in one view and reminds you before the date. Set up auto-pay and you get overdraft protection with it, and up to 14 days to pay us back.

1
A bar chart of your credit card spend for the month, per card.
Edge cases: If a user had over 5 credit cards in their wallet.
2
A combined bar chart of your total credit card spend.
3
Your credit card utilization, per card.
Define the utilization goal: 10% or 30%
Credit card overview

Where do we double down?

The more bills on Chexy, the more accurate the data. 1 in 9 users who viewed the calendar added a new bill within an hour of viewing it (11.5%). With its success we expanded to iOS widgets and will bring it into the main dashboard.

Users spent more time in the app after engaging with insights. Averaging 9.4 minutes, 2.6× the app’s 3.6-minute average.

Next project