Gpay shared wallet

User Interface

Research

User Experience

Simplifying Group Expenses

Client

Self led

Screens

25

Time Taken

1 week

Business Type

b2c

GPay's new Shared Wallet feature

aims to streamline this process

by offering a centralized wallet for group transactions.

Members deposit money upfront into the shared wallet, which can then be used as a payment method to split costs easily, track expenses, and add context with comments.

My Role

User Interface

User Experience

Research

2024

Google Pay (GPay) is a leading digital payment platform trusted by millions globally for its secure and seamless financial transactions. Leveraging UPI technology, GPay allows users to pay bills, transfer money, and make purchases effortlessly, whether online or in-person.

With an intuitive interface and innovative features, it has become an indispensable tool for modern financial management. Constantly evolving to meet user needs, GPay continues to set the standard in the digital payments ecosystem.

The Design

Group Wallet Creation

Users can create a shared wallet for specific purposes and invite group members.

Existing wallets

Potluck

Balance ₹5,000

7 Members

Picnic

Balance ₹8,000

12 Members

Mooi football team

Balance ₹45,000

12 Members

Monsoonfish

Balance ₹50,000

20 Members

New fund

Shared wallet

See all

Picnic

Monsoonfish

Potluck

Add new

Upfront Fund Pooling

Members deposit money from their UPI accounts into the wallet, ensuring funds are ready for use.

50,000.00

Balance

20 members

8,000.00

Your contribution

2,000.00

Spent

Custom Payment Options

Select the shared wallet as the payment method for transactions.


Bank accounts

CITI Bank •••• 1234

Savings Account

Add bank account

Wallets

Monsoonfish

Wallet balance: ₹50,000

Mooi football team

Wallet balance: ₹45,000

Proceed to pay

Powered by

Total

2,348.90

3/20 members

Split by amounts

Specify exactly how much each person owes.

You

782.96

Emerson Schleifer

582.96

Ruben Press

982.97

Erin Kenter

0.00

Desirae Stanton

0.00

Kierra Schleifer

0.00

Ryan Philips

0.00

Omar Vetrovs

0.00

Cheyenne Saris

0.00

Leo Torff

0.00

Emery Stanton

0.00

Allison Rhiel Madsen

0.00

Jocelyn Press

0.00

Jocelyn Bergson

0.00

Lindsey Dias

0.00

Jakob Baptista

0.00

Davis Curtis

0.00

Phillip Dorwart

0.00

Dulce Philips

0.00

Abram Donin

0.00

Split and pay

9:41

70

Split by amounts

Specify exactly how much each person owes.

Split evenly

Select which people owe an equal share.

Split by share

Great for time based splitting (2 nights -> 2 shares) & splitting across families ( 3 members -> 3 shares)

Split by percentage

Enter the percentage split that is fair for your situation

Expense Splitting

The GPay Shared Wallet offers multiple ways to split group expenses, catering to different needs. Users can split costs equally, ensuring fairness for all, or unequally by assigning specific amounts to individuals. For more structured arrangements, costs can be divided based on predefined shares. Additionally, splits can be made by percentages, providing precise allocation options that suit various financial agreements.

Annotations

With the ability to add or edit comments, the annotation feature ensures every expense is transparent and contextual. Notes like "Dinner at XYZ Restaurant" or "X for not part of the transaction" make it easy for group members to understand the context of each transaction, and edit shares if necessary. This minimizes confusion and helps keep everyone informed, building trust within the group.

Monsoonfish

20 members

Shared wallet

Chat, plan, and keep track of who owes what in one place. Are you ready?

2:56 PM

Rajvi Kothari

Expense for ‘Team lunch’

₹2,348.90

3 of 20 involved • 2 Dec, 2024

Hello

Shruti was not part of this expense

Shruti was removed from this expense

Split another expense

Message...

9:41

70

Monsoonfish

50,000.00

Balance

20 members

8,000.00

Your contribution

2,000.00

Spent

Expenses

Office party

28 November

₹20,000

Paid by Ruta.p

Evening snack

17 November

+ ₹279

Paid by Rajvi.k

N

Office lunch

1 November

₹12,000

Paid by Namdev.n

Office party

12 October

₹17,000

Paid by Ruta.p

A

WiFi Restoration

10 September

₹0

Paid by Ashish

Birthday cake

10 August

+ ₹523

Paid by Shravani.j

M

Team trekking

6 July

+ ₹2523

Paid by Meenakshi.k

Team lunch

15 June

₹5,000

Paid by Ruta.p

New money

9:41

70

Expenses

Office party

28 November

₹20,000

Paid by Ruta.p

Evening snack

17 November

+ ₹279

Paid by Rajvi.k

N

Office lunch

1 November

₹12,000

Paid by Namdev.n

Office party

12 October

₹17,000

Paid by Ruta.p

A

WiFi Restoration

10 September

₹0

Paid by Ashish

Real-Time Updates

Real-time updates provide instant transparency into the shared wallet’s balance and transaction history. Every payment, deposit, or split is automatically logged, ensuring group members can easily track their finances. This feature eliminates ambiguity, fostering accountability and simplifying group expense management.

Making Payments

Real-time updates provide instant transparency into the shared wallet’s balance and transaction history. Every payment, deposit, or split is automatically logged, ensuring group members can easily track their finances. This feature eliminates ambiguity, fostering accountability and simplifying group expense management.

The User Tests

Objectives

Task

User profile

Research Objectives

1

Understand user perceptions of the Shared Wallet feature.


2

Identify pain points and areas of improvement.


3

Evaluate usability and functionality of the Shared Wallet feature.

4

Collect feedback on user experience and satisfaction.


Participant Profile

The participants for this study were selected based on their experience with digital wallets. Their frequency of shared expenses varied, including individuals who manage group finances regularly for subscriptions, trips, or household bills, as well as those with occasional needs. Preferred payment methods included a mix of UPI transactions, direct bank transfers, and cash

Age:

25-40

Gender:

All

Location:

Urban areas

Findings

The participants for this study were selected based on their experience with digital wallets. Their frequency of shared expenses varied, including individuals who manage group finances regularly for subscriptions, trips, or household bills, as well as those with occasional needs. Preferred payment methods included a mix of UPI transactions, direct bank transfers, and cash

1

Participants appreciated the simplicity of Design A but highlighted that Design B offered superior functionality.

2

Design B was favoured for its flexibility, particularly the ability to split expenses either before or after making a payment.

3

Some users reported confusion when initiating an expense.

4

Users struggled to differentiate between “Shared Wallet” and regular Google Pay transactions.

5

Participants expressed a desire for predefined categories and the ability to add custom tags for expenses.

6

All users confirmed they would use this design regularly.

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