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Design for AIWhat if GPay Could Simplify Group Expenses with a Shared Wallet?
An attempt to simplify group expenses with GPay’s new Shared Wallet feature, offering centralized payment methods, real-time updates, and contextual annotations. This innovation aims to enhance transparency and usability, opening up seamless possibilities for group expense management.
2025
Google Pay (GPay) is a leading digital payment platform trusted by millions globally for its secure and seamless financial transactions. Leveraging UPI technology, GPay allows users to pay bills, transfer money, and make purchases effortlessly, whether online or in-person. With an intuitive interface and innovative features, it has become an indispensable tool for modern financial management.
Constantly evolving to meet user needs, GPay continues to set the standard in the digital payments ecosystem. However, managing group expenses—whether for a trip, household bills, or shared subscriptions—often becomes chaotic.
How can GPay address this challenge and make group financial management more organized, intuitive, and efficient?
03
Creative Brains
10
Hours
35 +
Coffee Cups
100 %
Nonstop Music
The solution: Introducing a Shared Wallet feature.
Our design process began by understanding the core needs of users managing shared finances. We focused on creating an experience that was user-friendly, transparent, and adaptable to diverse group dynamics and expense scenarios.
Introducing the GPay Shared Wallet
The Shared Wallet is a centralized hub for group transactions, designed to streamline expense management by enabling real-time tracking, customizable splitting options, and intuitive annotations.
The Design
Group Wallet Creation
Users can create a shared wallet for specific purposes, such as trips, household expenses, or subscriptions, and invite group members. The onboarding process ensures clarity and simplicity, making it easy for anyone to set up and manage.
Upfront Fund Pooling
Members deposit money from their UPI accounts into the wallet upfront, ensuring that funds are readily available for group expenses. This proactive approach minimizes delays and fosters accountability among group members.
Custom Payment Options
The Shared Wallet can be selected as a payment method for transactions, ensuring flexibility in managing shared costs.
Expense Splitting: Fair, Flexible, and Precise
The GPay Shared Wallet offers multiple ways to split expenses:
- Equal Splits: Ensuring fairness for all group members.
- Custom Splits: Assigning specific amounts to individuals for tailored allocations.
- Predefined Shares: Structuring costs based on predefined arrangements.
- Percentage-Based Splits: Providing precise allocation options for more complex financial agreements.
Annotations: Adding Context to Transactions
With the annotation feature, group members can add or edit comments to transactions, ensuring every expense is transparent and contextual. Notes like “Dinner at XYZ Restaurant” or “X was not part of this transaction” simplify tracking and build trust within the group by providing clarity and minimizing confusion.
Real-Time Updates: Transparent & Accountable
Real-time updates provide instant visibility into the shared wallet’s balance and transaction history. Every payment, deposit, or split is automatically logged, enabling group members to track their finances effortlessly. This transparency eliminates ambiguity, fosters accountability, and simplifies group expense management.
Research Insights
1
Understand user perceptions of the Shared Wallet feature.
2
Identify pain points and areas for improvement.
3
Evaluate usability and functionality.
4
Collect feedback on user experience and satisfaction.
Participant Profile
The study included individuals experienced with digital wallets, varying from those managing group finances regularly (e.g., for subscriptions, trips, or household bills) to occasional users. Their preferred payment methods ranged from UPI transactions and direct bank transfers to cash.
Findings
1 section: Participants appreciated the simplicity of Design A but highlighted that Design B offered superior functionality.
2 section: Design B was favoured for its flexibility, particularly the ability to split expenses either before or after making a payment.
3 section: Some users reported confusion when initiating an expense.
4 section: Users struggled to differentiate between “Shared Wallet” and regular Google Pay transactions.
5 section: Participants expressed a desire for predefined categories and the ability to add custom tags for expenses.
6 section: All users confined they would use this design regularly.
Reimagining Group Expenses with GPay
The concept of Gpay Shared Wallet offers a bold vision for simplifying group expense management. By combining features like customizable splits, real-time updates, and contextual annotations, this design solution demonstrates how thoughtful innovation can address everyday financial challenges, paving the way for a more seamless and collaborative experience.
