To answer that, I led a team of three designers, working alongside researchers, content designers, and a manager. We began by auditing everything GuiaBolso had built. Some of it was right for GuiaBolso's users but wrong for PicPay's.
The category system had grown bloated, so we simplified it without losing granularity: keeping the categories most used in GuiaBolso, combining them with the most common PicPay transaction types, and letting users create their own on top.
Tone of voice carried its own weight. GuiaBolso spoke to financially fluent users; PicPay's audience was far broader, so everything from error messages to onboarding had to be rethought.
The Open Finance consent flow was the most critical piece. People had to understand what they were agreeing to, trust that their data was safe, and see a reason to connect their accounts at all. That was when we understood something crucial:
The product's value had to be visible before we asked for the data. Commitment came after understanding, not before.
So instead of asking for the connection up front, we showed the product first, filled with sample data, so people could see what they'd get in return before sharing anything.
Each of these choices pointed the same way: making a serious financial tool feel approachable to someone who had never reached for one.
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We were building more than a tool for tracking money. For many of PicPay's users, it could be a first real way into understanding their finances, and we believed a better relationship with money could change far more than a budget. That was what the MVP was aiming at: not just value on day one, but a first step toward financial education.