Here’s my proposed redesign of the Home screen. I never found the current home screen useful (no offense to the Envel team🥺) so I brainstormed a bit. Please know I am saying all of this with hopes to improve Envel out of love. I apologize in advance if I sound arrogant lol. Regardless, please let me know what you guys think!
I know some people are asking for the Envelopes screen to be set as the Home screen but I don’t think that’s the ideal move. I’m assuming users are suggesting this because the Envelopes screen is the best screen to see your account totals. When it came to Simple’s mobile UI (and other banks), the Home screen was usually a combination of: account totals at the top, followed by all transactions underneath. But since Envel has more features than your average bank, specifically Envelopes, it makes more sense for Envel to have things separated into more screens to prevent things from getting cluttered for the user. Having said that, I also think a little redundancy can be useful in some instances. When I think of a Home screen for most apps, I tend to think of it as a “Dashboard” where I can open the app and get a quick glance at 2 things: important information and anything thats new/modified. Despite users being excited about moving money between Envelopes (and they should be, it’s an awesome feature), I’m pretty confident that when it comes to “total app opens”, users are going to be mostly trying to check in on 2 things: “do I have enough money to pay for X” and “when the heck is more money coming in?” Another way of putting it is: “before I buy this thing, can I afford to buy it right now?” and “when is more money going to land in my account so I can also buy this other thing?” The core of the Envelopes screen is about managing money (transfers between envelopes, etc). Users shouldn’t have to click on the Envelopes tab just to check on these basic numbers, they should be right there when you open the app. But the Home screen can also be a great place to display other kinds of information to give us that “dashboard vibe”.
My biggest frustration with Simple and other banks was having to remember how to “read” my different account balance numbers. “What do they mean again? Safe to spend? Pending? Goals? Protected Goals? Total? TOTAL Total?” Sorry but that’s too many numbers for me to feel safe to spend anything without consulting my banking thesaurus lol. So in my redesign, I wanted it to be SUPER easy to understand what the heck is in our accounts at a glance, no more guessing, no more mental math! Total = actually means total, AKA every cent in your Envel account. Underneath is a colorful bar showing you how that total is distributed between all of your active envelopes. Any envelope that has nothing in it will not be shown to keep it simple (pun intended).
This total in section 1 does NOT include pending transactions. Everyone’s asking that one life changing question: “Can I spend that pending money now or do I have to wait?” So below I have a section for all income based transactions that have not yet cleared. The longer a transaction will take to clear, the warmer the color will be and for fewer days, the color will get closer to green. This will give users a quick understanding, not only on how much they’re getting (as seen in the Transactions screen) but also WHEN the money is to be expected so they can plan ahead and the colors only make that more obvious. Humans are visual creatures, let’s rock those colors so our brains can stop hurting
Lastly, I included an “inbox” for anything new/urgent, such as debited charges, declined/reversed charges, support messages, app updates/news, status of a debit card delivery, new nearby ATM locations (future feature), etc. And since Envel does have a bug right now where most notifications don’t work, including some redundancy here on the Home screen will help make sure users don’t miss out on those new (and sometimes urgent) things the next time they open the app. Users should be able to manually clear every transaction here to make room for new ones (think: email inbox zero).
CURRENT HOME SCREEN
This should live in the Debit Card screen. An idea for still keeping it on the Home screen could be if the debit card is linked to an envelope other than Cash, then a flashy header (think : moving neon caution tape) would suddenly appear at the very top with remaining time that the link will be active before it reverts back to the Cash envelope again. This could be a useful reminder if a user is making 2 purchases back to back and they need to switch back to the Cash envelope before the timer runs out. Users could set how long the default timer goes for in Settings.
As for the charts & graphs, I think they should live in the Transactions screen (as a hidden feature) or only be made available for the upcoming web app where users will be able to view their data on a larger screen. I’m a big fan of visuals but I never found these useful, at least not in the current form factor.
- Remove the registered trademark symbol, it’s ugly, hurts the aesthetic of the app and also shouts “we’re a traditional bank!”
- Remove the debit card icon for Card Link and keep that functionality in the Debit Card screen.
- Move the Settings tab icon to where the debit card icon is
- Slide the Notifications bell icon so that it’s in between the Autopilot icon and Settings icon
- So in total, the new header would look like this from left to right: Autopilot > Notifications > Settings
- Envelopes - keep
- Debit Card - move to last tab slot, replace with dedicated screen for external transfers and future features like check deposit & ATM finder
- Home - see above
- Transactions - keep
- Settings - move to the Header, replace with Debit Card
So in total, the new footer would look like this from left to right: Envelopes > External Transfers > Home > Transactions > Debit Card
- Please change the sky blue accent color theme (in dark navy mode) back to what it was before, this new shade of blue is meh, you had it right the first time (which episode of The Office am I referencing here? lol)
- Transactions need icons and color schemes that actually means something lol. Why not keep it simple and just use red for debit and green for credit? And then use different icons based on the type of transaction, like an envelope icon for envelope transfers, etc.
I will probably have more ideas but this post is already getting long, whoops! I hope everyone has a good weekend ahead and I hope those autopilot robots bring you good luck!