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Splittable 
Bill sharing made easy 
7th August 2014 
Jermaine Dunbar-Reid 
Phill Kemp 
Marta Fioni
Agenda 
● Brief 
● Our solution 
● Our journey: research 
● Our journey: testing and prototyping 
● Demo 
● Next steps
Splittable 
Bills sharing made easy 
Renters Home Owners
The Brief 
● Add bills and split them between 
housemates 
● Request, make and settle 
payments with cash and PayPal
Our Challenge 
To simplify the payment process between 
multiple users, and make it friendly
Our Solution
Engagement through notifications
Our Journey 
Starts with the competition
Intuitive graphics 
Glorified calculator 
Responsive website 
Sign in with Facebook only 
Pay with PayPal & cash 
Cluttered design
Flatmate Survey
How do you prefer to exchange money with your flatmates? 
72% 12% 
Pay via bank transfer Pay via cash
How many people in your household have a utility bill in their name? 
52% 32% 
1 person 2 people
How do you usually communicate about the bills with your 
housemates? 
34% 66% 
Face to Face Email, Text, Notes 
on the fridge
In our house 
we divvy up on 
the 3rd of 
every month. 
How many 
people pay the 
bills in your 
household?
All my bills are 
included. 
We all get 
along, we split 
the bills 
equally.
Our House
Alpha 
Realm 
Love 
House 
All 
Inclusive
Alpha 
Realm 
Love 
House 
All 
Inclusive 
50% 
25% 25%
Our Flatmates
Mary Zack James 
Alpha Volcano Avoider
Light Bulb 
Moment
Who is the Weakest Link?
Zack is the key
Zack 
“I’m busy, I missed 
your message.” 
● Doesn’t seek responsibility 
● Avoids shared tasks like 
cleaning 
● Motivation to pay on time 
● Bill payment made simple 
● Payment confirmation 
We can 
help
James 
Mary 
I don’t like I don’t like 
● Other people not 
paying the bills 
● Not having 
enough respect 
We can 
help 
● Real time payment 
confirmation 
● Clear display of 
house bills 
We can 
help 
● Flatmates paying 
me late 
● Turnover of 
flatmates 
● To be paid 
quickly
Narrowing the scope
Instant payment 
Branded receipts 
Notifications that 
motivates
Won’t 
Accept bank transfers 
Notify about new deals 
Give penalties or points 
Create a high fidelity site
Will 
Record payments 
Send payment request 
Show payment history 
Display who owes to who 
Record paid bills via receipt
What motivates Zack?
All Flatmates on screen 
Traffic Lights 
Personal Profile 
A 
B 
C
Personal Dashboard
A B C
Dashboard 
Iteration
Bills timeline 
A 
B
Bonus 
Brief
How to represent 
bill simplification
93% communication 
is nonverbal The brain 
processes images 
60,000 
times faster than text 
alone
Test A Test B
Design it!
Findings
Our solution
Our solution 
Prototype
Next steps
Next Steps 
● Visualising bill simplification 
● Processing payments 
● Solving scheduling of chores 
within a household
Any questions?

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Splittable - Bill sharing responsive site