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ORIGIN

Your world in your hands.

An asset monitoring tool for global citizens and investors

UX research + UI design

December 2024
Collaborated with NH Investments & Securities

Origin is a FinTech app that allows global citizens to stay informed on their international finances.

There is no single platform to track personal assets across countries. That’s where Origin comes in. It uses the most recent data from various market indexes to display the value of users’ assets, educate users on the health of national economies, and connect users to local advisors in their home countries. Additionally, Origin’s AI provides simplified global market trends and financial advice. Origin makes users’ international assets accessible in one global app, promoting equal opportunity and financial success for migrating populations.

Problem

International citizens struggle to:
1. Monitor their assets across different countries
2. Stay up to date on current market trends, and
3. Find trusted advisors to help them manage their assets abroad.

Why is this important?

There are 281M international migrants in the world, 3.6% of the global population.

International remittances of expats sending money to their families or communities in their countries of origin totaled $831B in 2022.

UN World Migration Report 2024

There are 7.3M Koreans worldwide living outside of Korea.

4.8M Foreign Nationals & 3.5M Overseas Koreans

International Migration Statistics in 2023

There are 2.5M international expats living in Korea making up almost 5% of Korea’s total population.

Of those 225k are international students!

International Migration Statistics in 2023

Global Economic Welfare

Giving users access to their international assets in one global app promotes equal opportunity and financial success for migrating populations.

Increased Investing

By providing users with an easy platform to monitor international assets, new users will be more likely and comfortable to interact with the global economy.

Accessibility to Migrants

Promotes accessible and safe personal finance monitoring for the 281M migrants around the world, including internationals in Korea and overseas Koreans.

New Market Opportunity

As there are 281M international migrants worldwide, this is a new market opportunity for companies to make use of to aid the world’s growing migrant population.

User Persona

Monitoring Assets

Jihoon wants to maintain all of his assets, stay informed about their status, and make informed decisions
when managing them across all of the different countries that he is monetarily involved in.

Knowledge & Accessibility

Jihoon wants to have access to the appropriate knowledge to help maintain his assets. He is looking for trusted advisors,
real-time insights on markets and countries, and easy currency conversions.

User Journey

Interviews

Jia
Age 23
Chinese

Helps manage property in China from his home in Brooklyn, invests in mutual fund personally

“Having both domestic and international assets can be messy. Being able to organize them all in one place would be a great benefit.”

Prasan
Age 33
Indian

Lives in Singapore and
has properties in India managed by family

“I am not usually connected and updated about my assets. My family in India looks after them for me and I trust them to take care of it.”

Punjabrao
Age 58
American

Owns property and
looks after relatives in India

“Honestly, I keep track of all my international assets in my head. And I don’t know when my asset has outlived its utility of returns. That part is very difficult to know.”

Current Market Research

Efforts have been made to streamline personal international asset management,
and there are continued efforts to combat this problem.

Efforts have been made to streamline personal international asset management,
and there are continued efforts to combat this problem.

So far, companies have struggled due to:

Premium subscription plans to use advanced features
Services not available in all countries globally
Non-reliable financial databases

Market Audit

What Succeeds?

Send money internationally
(Wise, Revolut)

Updates on global stock (Kubera)

Customize the app according to the user’s financial requirements (Mint, Empower)

What Failed?

No global usage
(Empower, Kubera)

Services are pay-to-use

Inaccuracies and reliability issues (Kubera)

Differentiation

Cash Value

Allowing users to track assets’ cash value through Comparative Market Analysis (CMA) calculations.

Connect Locally

Connecting users with local appraisers,
to familiarize local laws and next steps.

Global Access

Consistent user journey
regardless of global location.

Design Goals & Objectives

Design an interface that allows foreign users to see all their multinational financial assets in one place, solving the difficulty of having to navigate multiple platforms.

Present an information hub that allows users to find resources about the country that they are monetarily involved in so that they feel confident about their choices.

Connect users with access to local advisors that help them better manage their assets in the country without facing the hassle of legal restrictions.

Expected Outcomes

Single Platform

The convenience of having international assets viewable in one place will drive growth of multinational visitors to engage with the app and NH Investments.

Information Hub

By engaging with the information hub, users will feel informed and confident managing their assets in all the local economies they hold assets in.

Local Advisors

Local advisors, available to handle assets in each country, will allow users to feel in control through convenient remote management of their assets.

Solution

Main Functions & User Flow

Home Information Hub Advising Chat Bot

View assets and
track their status.

Get detailed country’s insights and make currency conversions.

Find local appraisers to contact based on their expertise.

Provides insights to all queries related to global assets.

Monotoring Asset State

On the home screen, see a visual communication of your assets’ status at a glance!

Location Pin

Updated State of the Asset

Status of Assets From
the Start of the Month

View at one glance how your asset has fluctuated Over the Month

Increasing Asset

Decreasing Asset

Pins on Globe

Home Page

Main Features

Design Guidelines

Interfaces

Design

Art About