mBOB Prototype | Ngul Yoen

Live prototype

Interactive mBOB feature flow – explore all four proposed features

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How to use these prototype features A quick walkthrough of all four proposed mBOB features

Four proposed features

What customers want mBOB to become – a smart financial companion

Smart Expense Categorization

Automatically suggests spending categories based on transaction patterns.

Auto-suggests: Food & Drinks, Donations and Contributions, Transport, Personal Transfer
One-tap selection for fast labelling
Select source of debit (main balance/pocket)

Goal-Based Savings Pockets

Create named mini-accounts within your main account for different goals.

Custom pockets: SEMSO, Food, Travel, Personal Savings
Choose which pocket to pay from during a transaction
Create and edit pockets anytime as needs change
Track savings and spending separately per goal

Spending Insights Dashboard

Visual charts and breakdowns turning raw data into financial awareness.

Pie chart of expenses by category
Interactive dashboard with monthly views
Percentage breakdowns by spending type
Helps users understand behaviour, not just balances

Enhanced Mini Statement

Upgrade from 14 visible transactions to a powerful on-demand view.

View last 50 or 100 transactions (up from 14)
Filter by: last 50, today, or custom date range
Instant access without waiting for email statements
Description/purpose field on every transaction for better insight

The story behind the prototype

mBOB Budgeting and Expense Tracking Features · A story from GCBS canteen

Three students. One canteen. A conversation that sparked four ideas for the future of mBOB.
Tap below to read how it all began.

What they truly wish to see in mBOB

Summarised before heading back to class

Automatic Transaction Categorization (Smart + Customizable)

App suggests likely categories based on transaction patterns. One-tap selection, option to create custom categories like SEMSO or group expenses. Helps users understand and track spending behaviour easily.

Goal-Based Savings (Custom Money Pockets)

Create temporary or long-term pockets (SEMSO, food, travel, savings) within one account. Choose which pocket to pay from during transactions. Track savings and spending separately per goal.

Spending Insights Dashboard

Visual charts and percentage breakdowns of expenses. Monthly reports for better financial awareness and habit understanding.

Enhanced Mini Statement Feature

Increase transaction visibility from 14 to 50 or 100. Filter by specific dates (today, yesterday, custom). Instantly view specific transactions without waiting for email statements.

Tashi, Sonam, and Pema sat on chairs around a small round table in the busy Tobgay canteen of Gedu College of Business Studies (GCBS). It was their usual tea break spot: warm suja in hand, plates of momos on the table, and the soft hum of students chatting after class.

The three of them had just come out of their financial management lecture. The topic had been budgeting and personal financial control, and now, unknowingly, they were about to test those ideas in real life.

Tashi, who also worked as a Class Representative, was staring at his phone with a slightly stressed expression.

Tashi"I collected SEMSO contributions from five of my self-funded mates yesterday. Now I just want to confirm one payment… but mBOB only shows the last few transactions. The one I need isn't even old... it's just from yesterday. Now I have to request a statement and wait for the email."

Sonam"Same problem. It's like the app has the data but not in a way that helps us quickly."

Just then, Pema joined them, pulling a chair closer.

Pema"You both look like you're fighting with your bank."

Tashi"We kind of are."

Pema smiled and leaned forward.

Pema"You know… what if mBOB actually worked like how we studied in class today?"

Tashi"How?"

Pema" Okay... Let's start with expenses. Imagine when you make a payment, the app automatically suggests a category."

💡 Feature idea: Smart Categorization

If you transfer money to a friend for food, the app could show options like 'Food & Drinks', 'Fund Collection (SEMSO)', or 'Personal Transfer' based on the what you type in purpose or you can just click to category that relates to the purpse of your transaction.

Tashi"That would save time."

Sonam"Yes! and... it would actually help us understand where our money goes. Right now, it's just numbers... no meaning behind them."

Tashi"But what about saving? Everything is mixed in one account. It's hard to separate money mentally."

Pema"That's where goal-based pockets come in. Imagine within your main account, you can create custom mini-accounts - SEMSO or Fund Collection, Food & Drinks, Travel, Education... and keep them only as long as you need.."

Sonam"Something like physical wallet with multiple pocket... sounds good!"

💡 Feature idea: Goal-Based Pockets

Create a SEMSO pocket just for this semester, then remove it later. When you make a payment, the app asks: "Which pocket do you want to use?" - like choosing which wallet to pay from.

Sonam"Imagine opening the app and seeing dashboard charts showing how much you spent on food, travel, or SEMSO."

Tashi"That would actually make us aware of our habits. Not just checking balance, but understanding behaviour."

Tashi"And please... improve the mini statement. Why only 10 transactions? I just want to see yesterday's transactions properly, especially when I'm handling money for others."

Sonam"They should let us filter by date - today, yesterday, or even increase it to 50 or 100 transactions."

They paused, finishing their tea and momo. Around them, students continued their conversations, unaware that a simple tea break had turned into a powerful discussion on the future of mobile banking.

Pema"If these features were added, mBOB wouldn't just be a banking app… it would become a smart financial companion, especially for students like us."

Sonam"We learned budgeting in class… but if mBOB evolves like this, we can actually practice it in real life."

Tashi"And that's when banking becomes more than just transactions."

Pema"It becomes understanding, control… and smarter living."

And with that, they walked out of the GCBS canteen, carrying not just ideas, but a vision of what modern banking could truly become in this digital era.

mBOB Feature UpgradePrototype