Video Gallery
Educational videos explaining financial concepts.
NCFE: Rethinking Access to financial education
Independent UX Audit & Mobile App Redesign
While researching financial literacy, I came across the NCFE app. Discussing it with my father made me wonder whether people from my hometown, including my grandmother, could actually use it.
As I explored further, I noticed that the app gave more attention to promoting its services than helping people discover educational resources.
This curiosity led me to audit and redesign the experience, focusing on accessibility, navigation, and learning.
Tools
Figma, Figma Motion
Firebase
Claude Code, Codex
Timeline
April 2026 – July 2026
Skills
Interaction Design
Prototyping
Research
Context
Financial education isn't equally accessible to everyone.
Understanding money is important, whether it's managing everyday expenses, saving for the future, or making financial decisions. But not everyone has the same access to financial knowledge, especially when language, awareness, and digital familiarity become barriers.
What is NCFE?
The National Centre for Financial Education (NCFE) is an organization established with the support of India's financial regulators to promote financial literacy. It provides educational resources and conducts programmes to help people understand financial concepts and make informed decisions.
What does the NCFE app offer?
The intention is to make financial education available digitally, but how easily can people find, understand, and use these resources?
E-LMS
Online courses for structured financial learning.
Literacy Initiatives
Information about programmes such as NFLAT, MSSP, FETP, FEPA, and FACT.
Request for Programmes
Options to request financial education programmes.
FinDisha
A chatbot for financial education queries and assistance.
Solution
I redesigned the NCFE experience around three priorities: making learning resources easier to discover, providing clearer assistance, and giving users more control over how they access information.
Discovery
The resources were there.
Where was the learning?
Broader primary research revealed gaps in financial knowledge, low awareness of available resources, and a need for simpler, trustworthy guidance.
37Surveys
10Interviews
60% Weren’t aware about schemes and policies that could potentially help them.
59% reported to have low confidence in their financial knowledge.
1% Claimed to be in full confidence and awareness.
When I opened the app, institutional information stood out more than the learning itself.
The aspects and flow of the app seemed more promotional than educational!
The learning materials were there, but spread across sections. I wanted to understand why getting to them felt less straightforward than it should.
The home screen gives more visual importance to NCFE’s statistics and promotional content than to its educational resources.
Textbooks, videos, and E-LMS are placed in separate sections, making related learning materials harder to discover together.
FL Initiatives and Request for Programmes contain closely related information but are presented as separate navigation options.
The app primarily uses English, which may create barriers for people who are more comfortable reading in regional languages.
What is opening a HUF?
HUF खोलना क्या होता है?
HUF ખોલવું એટલે શું?
HUF ଖୋଲିବା କ’ଣ?
Current app wide navigation
Related resources sit in different sections.
What does it lack?
Accessibility
Limited language options make learning resources harder to access for people unfamiliar with English.
Assistance
Search and conversational help overlap, making it unclear where users should go for guidance.
Navigation
Scattered learning resources and overlapping sections make it difficult to find a clear path to learning.
User Persona
I do not understand much of modern financial practices; but I want to learn and grow my money.
Rampyari
Rampyari is a grandmother, in her 70s. Thinking of her and my mother made me question whether financial education is truly approachable for people with different language preferences and digital habits.
Background:
She prefers reading Odia, her native language.
Living alone in her village, she receives money from her sons.
She lives from allowance to allowance, but aspires she could have more to live more comfortably.
Design questions.
Can she find a topic? Choose a suitable language? Know where to ask for help?
There are policies and incentives available for her, but can she access them?
What would learning look like for Rampyari?
Scenario-based user journey
Following a possible learning journey
01OPENFind a clear place to begin.
02EXPLORELocate a relevant money topic.
03LEARNAccess material in a usable format.
04GET HELPFind guidance when confused.
Potential friction
A crowded starting screen
Separated learning routes
English-first interface
Unclear support boundaries
The redesign
I kept NCFE’s learning resources and programmes, but reconsidered how people reach them. The redesign focuses on three decisions:
Access
Introduce language selection.
Find
Group related learning resources.
Ask
Separate content search from assistance.
Design
Prototype
National Centre for Financial Education
Features
- Language selection
- Textbooks, E-LMS and videos together
- Search by topic
- Programme registration
- Ask FinDisha
- Light and dark mode
Information architecture
- NCFE app
- HomeInstitutional information / videos
- Learning resourcesTextbooks / videos / E-LMS
- ProgrammesFL Initiatives / Requests
- AssistanceFinDisha / search
- NCFE app
- HomeLearning-first discovery
- LearnTopics / textbooks / videos / E-LMS
- InitiativesProgrammes / requests
- FinDishaConversational assistance
Apart from redesign, the design system was also standardized.
Design system
Colour
- Primary#1976d2Actions, links, active tab
- Primary dark#1565c0Pressed and hover states
- Heading#0d47a1Headings
- Secondary#613af5Focus ring and accents
- Outline#90caf9Card and field borders
- Background#e3f2fdScreen background
- Card#ffffffCards and sheets
- Text#212121Body text
- Muted#555555Secondary text
- Error#d32f2fErrors
Icons
HomeHome tab
LearnLearn tab
FL initiativesProgrammes tab
FinDishaAssistant tab
SearchSearch topics
NotificationsAnnouncements
MenuOpen the side menu
ArrowView all, continue
PlayPlay a video
AboutAbout NCFE
ImpactImpact figures
MessagesMessages log
LanguageChoose a language
ModeLight or dark
HelpHelp centre
PrivacyPrivacy policy
PhonePhone support
ChatLive chat
EmailEmail support
Walk-inWalk-in centre
RegisterProgramme registration
Log inAccount
Typography · Noto Sans
- Heading 124 / 32 · 600 · Heading blue
- Heading 220 / 28 · 600
- Heading 316 / 24 · 600
- Body text reads at sixteen pixels16 / 24 · 400
- Small label and meta text14 · 400 to 500
Sizing
- 44 to 48 pxMinimum touch targets
- 56 pxHeader
- 62 pxBottom navigation
- 24 pxIcons
- 8 / 12 pxCorner radius
- 8 / 12 pxSpacing steps
Prototyping
Low-res wireframes to establish and plan for a better experience.
Before and after
After a thorough walkthrough, the redesign addresses the skeletal issues in the app.
Before
After
Home
Wireframes of the same screens; the coloured areas show what changed.
Before
After
UI solution: Home leads with announcements, live events and the video gallery, so learning comes before institutional statistics.
Before
After
UI solution: E-LMS courses and topic videos sit together on one Learn screen instead of in separate sections.
Before
After
UI solution: programmes appear as icon cards, so each initiative is easy to tell apart and open.
Before
After
UI solution: asking a question and getting help are separate, clearly labelled actions.
Core features
01. Home
From institutional emphasis to easier learning discovery.
02. Learn
Related materials come together without losing their formats.
03. Initiatives
Programme information and actions are easier to distinguish.
04. FinDisha
Searching for content and asking for help become separate tasks.
05. Language
Language choice for the official languages of India.
06. Forms
Forms share one uniform design that matches the language screens, with clearer registration states.
User flow
Testing
The redesign app is currently in process for collecting a wider user testing and feedback. Contribute to improve the design for a more nuanced experience.
Tests completed…Checking the study
The prototype is currently available in English, Hindi and Odia only.
Onboarding
Access
Introducing language selection for official languages of India.
Light and dark
Scope
01
Test with different age groups, languages and levels of digital familiarity.
02
Check real task completion, comprehension, and where people need help.
03
Develop language coverage, form validation, and a functional prototype.
Reflection
This project pushed me to look past the appearance of a screen and question how information is arranged.
01I wanted to make better use of what NCFE already provides, rather than replace its resources.
02The redesign still needs testing to know whether those decisions work for people like Rampyari.
03