Gpay shared wallet
User Interface
Research
User Experience
Simplifying Group Expenses


Client
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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