Kraya : Simplifying Monthly Recurring Payments for Elderly Users
UX Design t/ Product Design
Academic Project
Kraya
Simplify life
Timeline
2 Days
Team
Anushka, Pranavi, Vani, Me
My Role
Visual Identity, Product Design
Simplified Recurring Payments
Kraya - takes care of all your subscriptions in one place. Simplifying the multi payment systems people have to go through, and manage recurring payments smartly.
The Problem
Multiple Bills
Keeping track of payments
Where goes the money?
Missed a payment?
When is it due?
Users are frustrated with the fragmented and time-consuming process of paying multiple monthly bills. The lack of a single platform with flexible payment options leads to missed deadlines and unnecessary anxiety.
The Solution
Kraya unifies the recurring payments and simplifies the process. It lets you see your payments at once, and pay them together.
A simple interface is suited especially for the elderly populace.
Reclaiming your time
User Study
Target Users
Individuals
A single user focused on personal budgeting, bill consolidation, and tracking spending across multiple solo accounts.
Home Budget Controllers
The primary household manager needing automated tools to handle all family vendor payments and monitor the central budget.
Lack of payment editing
The Autopay option (in GPay) doesn't allow you to edit the payments manually, it can give remainders/tell when the bill is overdue.
Biometric Authentication
Biometric authentication for the users to login in to the app is desired.
Fund transfer flexibility
Users expressed the desire for flexibility of money tranfer from the wallet back into the bank account when not in use.
OTP needed in cases
For the OneClick payment feature, we need to use the OTP payment option for the approval of the payment.
Cohabitors
Partners or roommates who require real-time visibility, shared budgets, and an easy way to split or settle joint expenses.
Questionnaire Pointers
User Persona 1
User Persona 2
Empathy Map
User Journey Map
Market Study
Competitors
Competitor Analysis
Simpl
Consumption Credit based (BNPL)
Visual Language
Minimalist, Cool color palette, frictionless
Weakness
No Budgeting, No Bulk-pay
Goodbudget
Shared Envelop Budgeting
Features
Organised, List based
Weakness
No bulk payment execution
HoneyDew
Made for Couples
Features
In app Chat, Monthly reminders, Monthly spending limits
Weakness
Account syncing issues
BulkPe
For B2B Bulk Payments
Features
Offers bulk payment options
Weakness
Not available for consumers
Unified Dashboard
Flexible Autopay
Inclusive Design
Trust & Transparency
Bulk Payment
Gaps & Opportunities
Identity Design
The term "Kraya" (क्रय) (pronounced kray-uh) primarily means "purchase" or "buying" in several Indian languages, including Hindi, Sanskrit, and Kannada. It can also refer to the "act or instance of buying" itself.
Kraya
Simplify life
Primary Font
Hind Siliguri
Aa
Aa
Aa
Aa
Aa
The quick brown fox jumps over the lazy dog
The quick brown fox jumps over the lazy dog
The quick brown fox jumps over the lazy dog
The quick brown fox jumps over the lazy dog
The quick brown fox jumps over the lazy dog
Information Architecture
Login
Homepage
Payment
History & Reports
Current Expenses
Profile
Addition
Removal
Edit
Pages
Login/Signup
From Homepage
Low Fidelity Wireframes
LOGO
Your Report
History
+
Reports
Quaterly
Half-yearly
Anually
Expenses Comparision
Export
Account
XXX996344
History
+
Reports
Enter 6-Digit Transaction Pin
.wkfjroewihtglorsihjipezdtikojkhm n;lmjhb
LOGO
History
+
Reports
Your Reccuring Payments
Due on 7th Oct 2025
Home Electricity Bill
Assam State Electricity Supply Co. )5616257
₹5,000
Due on 7th Oct 2025
Home Electricity Bill
Assam State Electricity Supply Co. )5616257
₹5,000
Due on 7th Oct 2025
Home Electricity Bill
Assam State Electricity Supply Co. )5616257
₹5,000
Due on 7th Oct 2025
Home Electricity Bill
Assam State Electricity Supply Co. )5616257
₹5,000
Due on 7th Oct 2025
Home Electricity Bill
Assam State Electricity Supply Co. )5616257
₹5,000
Pay Now
Cancel
LOGO
History
+
Reports
Your Payments
Due on 7th Oct 2025
Home Electricity Bill
₹5,000
Due on 7th Oct 2025
Home Electricity Bill
₹5,000
Edit
Delete
Edit
Delete
Go to Payments
LOGO
History
Home
Reports
Add Details
Select your Service Provider
Select Plan by provider
Enter your CustomerID
Enter your CustomerID
Proceed
LOGO
History
Home
Reports
Utilities
Recharges
Entertainment & Subscriptions
Electricity
Electricity
Electricity
Electricity
Electricity
Mobile Recharge
Mobile Recharge
Mobile Recharge
Mobile Recharge
Mobile Recharge
Electricity
Electricity
Electricity
Electricity
Electricity
Mobile Recharge
Mobile Recharge
Mobile Recharge
Mobile Recharge
Electricity
Mobile Recharge
Electricity
Mobile Recharge
Mobile Recharge
Search...
Your Reminders
LOGO
Make Payment
History
+
Reports
LOGO
History
+
Reports
Your Reccuring Payments
Due on 7th Oct 2025
Home Electricity Bill
Assam State Electricity Supply Co. )5616257
₹5,000
Due on 7th Oct 2025
Home Electricity Bill
Assam State Electricity Supply Co. )5616257
₹5,000
Due on 7th Oct 2025
Home Electricity Bill
Assam State Electricity Supply Co. )5616257
₹5,000
Due on 7th Oct 2025
Home Electricity Bill
Assam State Electricity Supply Co. )5616257
₹5,000
Emotions and Color Palette
Relief
Accomplishment
Of being relieved from the hassle and complexities of repeating payments.
After finishing the complex tasks with minimal cognitive load.
Ergonomic Considerations
Cognitive Walkthrough
Kraya
You have a total of 8 Ongoing Payments Items.
Last Month
8 Payments
₹ 4200
This Month
8 Payments
₹ 4434
Next Month
9 Payments
₹ 4670
Welcome Pritun!
make Payment
Your Payments
Electricity Bill
Mahavitaran
Last Month
₹ 420
Next Month
₹ 643
Mobile Bill
Airtel- 8*******8
Aug 28
₹ 420
Next Payable Nov 22
Television
Netflix
Current Plan
₹ 420
Next Payable Octo 18
Electricity Bill
Mahavitaran
Last Month
₹ 420
Next Month
₹ 643
Electricity Bill
Mahavitaran
Last Month
₹ 420
Next Month
₹ 643
Electricity Bill
Mahavitaran
Last Month
₹ 420
Next Month
₹ 643
Netflix
Netflix
Current Plan
₹ 420
12:30
History
Add Payment
Reports
Screen features the most important/recent action first: "Payments Tracker"
This prioritises the user's current need and gives them a clear, immediate action, preventing decision paralysis
and cognitive overload. Thus making it accessible for elderly population.
Hick’s Law
Fitt’s Law
The recent payment tiles are displayed as large, horizontal strips. This increases the target size for re-initiating a payment
Key action buttons are given large size and prominent color. This makes them easier and faster to tap accurately with a thumb.
Miller’s Law
Hick’s Law
The bar has a small, manageable number of tabs, Which is a classic application of Hick's Law to simplify primary navigation.
Kraya
Add Payments
Search Payments
Utility
Water
Electricity
Electricity
Rent
Recharge
FASTag
recharge
DTH/Cable
TV
Postpaid
mobile
Postpaid
mobile
FASTag
recharge
DTH/Cable
TV
Postpaid
mobile
Postpaid
mobile
Subscriptions
Paper
Netflix
Youtube
Spotify
12:30
History
Home
Reports
Screen organises options into categories (e.g., 'Recharge', 'Bill Payments', 'Subscriptions')
Thanks for making it this far
Hope you have a Good Day!