INTRODUCTION Technology has advanced significantly in the last ten years, particularly in the banking and financial sector. We can see the introduction of technologies liken ear Field Communication (NFC), Artificial Intelligence (AI), and blockchain technology which have driven customer success. These technologies have transformed the industry by recognizing consumer demands, delivering customized services, increasing accessibility, and improving customer journeys. Nonetheless, each invention comes with its own set of obstacles. For example, thanks to these improvements (Tina & Jampala, n.d.) • Overspending: Increased occurrences of poor financial decision-making and difficulty achieving long-term goals this is as a result of having ready access to funds. • Dispersed Financial Data: Variety of financial services has led to the distribution of financial data from multiple accounts and causing confusion lading to mismanagement of resources, making it difficult for individuals to track their financial health and make informed decisions for their future. • Data security breaches : The increasing popularity of online payment methods and easy access to data has led to increased risks of cyber-attacks and data breaches among consumers. With these obstacles in mind, I intend to explore the development of a financial tool that combines GPS technology and budgeting to assist users in monitoring their spending patterns and financial objectives. EMBRACING DESIGN THINKING Design thinking is a user-centered approach that aims to solve complex problems by understanding the needs, desires, and behaviors of users. By applying design thinking, we can express the project's goal of offering a simple and user-friendly tool for efficient financial management (Gheerawo 2018). A report from the Australian Banking Association shows a significant shift towards digital platforms, with 98.9% of customer interactions being recorded on online channels, and out of these interactions only 13% of them used cash. The cashless society has created a ripple effect in the finance industry forcing businesses to adapt and innovate to meet customer needs (Middleton 2023). The chart below shows the market size of mobile wallet transactions from 2020 to 2025.There is an exponential rise particularly in the Far East and China area demonstrating a trend that is higher than the average.