143 real design problems to build your portfolio on.
Fintech
14 challenges
Small suppliers selling to large companies often wait months to be paid, while their own costs fall due every week. They rarely push back on payment terms because they fear losing the buyer, so the working-capital gap lands on the smaller party.
Cashback offers on payment apps come with minimum spends, caps, eligible merchants and expiry dates written in fine print. Users often feel misled when the cashback they expected doesn't arrive.
Millions of salaried professionals in India keep their savings in basic bank accounts while inflation quietly eats away at their purchasing power. Financial jargon, fear of losing capital, and complex onboarding forms stop them from trying mutual funds or stocks.
Credit card reward points pile up because redeeming them is confusing. Point values differ by option, catalogues are hard to browse, and many points expire unused.
Most people in India pay through UPI, cards, cash and auto-debits all at once. At the end of the month they know money is gone but not where it went, and budgeting apps feel like too much manual work.
Millions of internal migrant workers in Indian cities send earnings back to their families in rural villages every month. Hidden transfer fees, poor exchange rates at local agents, and complex app interfaces eat away at these hard-earned savings before the money even arrives.
People set up auto-debits for gym memberships, OTT plans, newspapers and tiffin services. When they travel or take a break, their only real option is to cancel the mandate and set it up again later, which many find confusing.
Families dealing with the sudden loss of a relative often face a maze of paperwork just to access bank deposits left behind. Banks require extensive documentation, multiple branch visits, and strict succession certificates that delay financial relief when grieving survivors need it most.
People in urban India juggle four or five different digital wallets to pay local vendors, ride autos, and split bills. Money sits scattered across these closed loops with no central way to track balances or move funds without paying high transfer fees.
Indian weddings involve hundreds of cash envelopes, bank transfers, and digital gifts arriving simultaneously from extended family and friends. Families often scribble names on paper diaries or loose envelopes, leading to missing amounts, unreturned social debts, and family friction when trying to remember who gave what months later.
Indians travelling abroad face surprise costs from currency markups, dynamic currency conversion fees, and hidden bank charges every time they swipe a card. These unpredictable deductions drain travel budgets and leave users frustrated with banking apps that fail to show exact exchange rates before a purchase goes through.
Freelancers and small business owners in India spend hours every month matching messy bank SMS alerts, UPI passbooks, and PDF statements to check where their money actually went. This manual chore leads to missed payment tracking errors and constant tax season panic because current banking apps treat transaction history as a static ledger rather than an active workspace.
Millions of people across India buy life and health insurance policies every year through agents, banks, or apps. Most policyholders never read the actual contract because it is written in dense legal jargon that is almost impossible for an average person to parse. When a medical emergency or claim arises, families frequently discover exclusions they knew nothing about.
Millions of daily transactions happen via unified payment interfaces and digital wallets across India, yet users constantly lose track of earned cashback, scratch cards, and loyalty points. These rewards are scattered across different apps, hidden in obscure menus, or expire before users even notice them, leading to lost monetary value and frustration.
