NEW

Human-centred AI designer

Billie.
Finance
Evolved.

A proactive financial OS for credit card debt management and financial literacy.

Harnessing the power of artificial intelligence to revolutionize industries and enhance human experiences.

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Money that thinks with you - not for you.

Most banking apps show data. Billie focuses on decision support: Helping people with limited financial literacy understand credit, make better repayment choices, and build healthier habits over time.

The problem

Mobile wallets rarely offer proactive support for people who struggle with credit terms and debt management. Balance views and transaction lists aren't enough when users don't understand utilization, interest, and payment timing.

Research Focus

This dissertation investigates how AI-driven personalization + gamification can:


  • Improve repayment behaviours.

  • Reduce harmful credit usage patterns.

  • Increase engagement and financial learning.

  • Maintain trust, autonomy, and ethical safeguards.

Interactive Design

Try it out for yourself

Use your mouse or use the touch controls to interact with the app design.

Effortlessly connect with your favorite tools. Whether it's your CRM, email marketing platform.

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