Cashless payments have made spending more efficient and effortless, but their speed and invisibility have also led people to lose track of how much they are spending in the moment. Known as the cashless effect, this phenomenon weakens the feeling of monetary loss, or the “pain of paying,” when physical cash is absent.
CashOut is a satirical mobile payment app that reintroduces the “pain of paying” by intentionally adding friction and social discomfort into cashless payments to deter users from overspending. Through personalised interruptions triggered only for specific purchase categories, the app makes spending more emotionally tangible. BuckWild, CashOut’s mascot, acts as an annoying companion who makes users painfully aware of their spending and intensifies the friction as purchase amounts increase.
Targeted at Gen Z young adults who rely heavily on cashless payments and recognise their impulsive spending habits, CashOut serves as a behavioural tool for those who struggle with impulse spending, helping them regain awareness and control over their financial habits.
Category
Design for People
Diploma in
Communication Design
Key Skills
UI/UX
Product Design
Art Direction
Hello there! I’m Lyana. My approach to design is to use my personal challenges as fuel for design opportunities and projects (and also, kind of, as a form of catharsis and self-discovery). More importantly, as an aspiring user-centred designer, this pushes me to creatively develop solutions that improve real-world experiences while also making them look FA-BU-LOUS!
