Project Overview
Project Overview
Chit Circle is a mobile app that digitizes community chit funds (ROSCA - Rotating Savings and Credit Association) with transparent reverse auctions, simple payments, and a tamper‑proof ledger. Designed for Members and Foremen in an India‑first context, it explains the monthly math, automates reminders, and records everything for trust. This case study covers the end‑to‑end design—from research and IA to a high‑fidelity prototype.
Chit Circle is a mobile app that digitizes community chit funds (ROSCA - Rotating Savings and Credit Association) with transparent reverse auctions, simple payments, and a tamper‑proof ledger. Designed for Members and Foremen in an India‑first context, it explains the monthly math, automates reminders, and records everything for trust. This case study covers the end‑to‑end design—from research and IA to a high‑fidelity prototype.
Problem
Problem
Community chit funds in India are primarily offline and opaque. Members rely on word of mouth, WhatsApp groups, and verbal agreements. This leads to missed payments, unclear bidding outcomes, and disputes. Foremen (admins) often struggle to manage records, communicate effectively, and ensure fairness—especially across months.
Community chit funds in India are primarily offline and opaque. Members rely on word of mouth, WhatsApp groups, and verbal agreements. This leads to missed payments, unclear bidding outcomes, and disputes. Foremen (admins) often struggle to manage records, communicate effectively, and ensure fairness—especially across months.
Solution
Solution
Chit Circle is a mobile app that digitizes the traditional chit fund experience. Anyone can create a circle by paying a refundable security deposit and manage it end-to-end. Members join via invite, pay monthly installments, and participate in offline auctions. Admins record the winning bid each month, and the app transparently splits profits, stores receipts, and allows members to raise disputes. The result is a simplified, trustworthy savings experience rooted in community and accountability.
Chit Circle is a mobile app that digitizes the traditional chit fund experience. Anyone can create a circle by paying a refundable security deposit and manage it end-to-end. Members join via invite, pay monthly installments, and participate in offline auctions. Admins record the winning bid each month, and the app transparently splits profits, stores receipts, and allows members to raise disputes. The result is a simplified, trustworthy savings experience rooted in community and accountability.
Branding
Branding
Name Meaning: “Chit Circle” represents a group of individuals coming together to form a financial circle—just like in traditional chit funds.
Name Meaning: “Chit Circle” represents a group of individuals coming together to form a financial circle—just like in traditional chit funds.
Logo Concept: A set of symmetrical dots forming a circle, signifying trust, repetition, and connectivity.
Logo Concept: A set of symmetrical dots forming a circle, signifying trust, repetition, and connectivity.
Discover
Discover
Conducted informal interviews with users who had participated in offline chit funds.
Conducted informal interviews with users who had participated in offline chit funds.
Looking through the User's eyes
Looking through the User's eyes
In understanding the users' perspective, two primary personas emerged:
Define
Define
Mapped out the chit fund process and user journey to uncover key user needs and pain points.
Mapped out the chit fund process and user journey to uncover key user needs and pain points.
Ideate
Ideate
Mapped out the core functionalities and used card sorting to group features for a clear, user-focused structure.
Mapped out the core functionalities and used card sorting to group features for a clear, user-focused structure.
Visual Identity and Typography
Visual Identity and Typography
User Flow
User Flow
Sketched out core user flows and created low-fidelity wireframes
Sketched out core user flows and created low-fidelity wireframes
Low-Fidelity Wireframes
Low-Fidelity Wireframes
Final Designs
Final Designs
High-Fidelity Prototype
High-Fidelity Prototype