User Flow

1. Home Screen:
   • Design a welcoming home screen providing users with an overview of their account balances, recent transactions, and personalized financial insights.
   • Include quick access buttons or shortcuts for common actions such as account transfers, bill payments, and investment options.
2. Account Overview:
   • Develop a detailed account overview page where users can view their primary account balance, transaction history, and pending transactions.
   • Provide visual representations of spending patterns, savings goals progress, and investment portfolio performance for enhanced financial visibility.
3. Transaction History:
   • Create a user-friendly transaction history section allowing users to filter and search for specific transactions by date, amount, or category.
   • Display transaction details including merchant names, transaction types, and timestamps for easy reference.
4. Payments and Transfers:
   • Implement a seamless payment and transfer feature enabling users to send money to contacts, pay bills, and make transactions to external accounts.
   • Include options for UPI payments, card payments, IMPS, NEFT, and other popular transfer methods for flexibility.
5. Investment Options:
   • Design an intuitive investment section showcasing various investment opportunities such as mutual funds, SIPs, IPOs, and fixed deposits.
   • Provide detailed insights into investment performance, historical returns, and risk profiles to help users make informed decisions.
6. Budget Management:
   • Develop budgeting tools allowing users to set financial goals, track expenses, and monitor budget allocations across different categories.
   • Include features for expense categorization, budget adjustments, and notifications for overspending to promote financial discipline.
7. Customer Support:
   • Implement accessible customer support features such as live chat, FAQs, and help guides within the app for resolving queries and issues.
   • Provide personalized assistance and support tailored to individual user needs for a positive customer experience.
8. Security Features:
   • Ensure robust security measures such as two-factor authentication, biometric login, and encryption protocols to safeguard user data and transactions.
   • Educate users about security best practices and offer options for setting up security alerts and notifications for account activities.

This user flow aims to provide Yo Bank users with a seamless digital banking experience, empowering them to manage their finances efficiently and securely.