Shared Finances

Inspiration

We saw how messy shared expenses can get — whether it’s saving money in a relationship, paying for a trip with friends, or covering project costs with colleagues. Endless chats like “send me €50” and forgotten debts create frustration. We wanted to solve this inside the bank where people already manage money, making shared finances simple, transparent, and instant.

What it does

Shared Finances is a new tab inside the Tatra Banka mobile app. It lets any group of people to easily manage expenses, automatically calculates who owes what, and allows instant one-tap settlement directly through Tatra Banka. The functionality can also be used to share a budget e.g. for couples, or as a digital piggy bank.

How we built it

We created a fully functional Android prototype using Kotlin and Jetpack Compose to match Tatra Banka’s modern dark style. The core screens include group creation with one-time/long-term types, expense adding either manually or by selecting it from transactions, recurring payments tab, and instant settlement flow.

Challenges we ran into

Balancing simplicity with powerful features — especially making recurring payments feel automatic yet controllable. We also had to ensure the design perfectly matched Tatra Banka’s existing UI while keeping the experience intuitive for first-time users.

Accomplishments that we're proud of

We built a working Android prototype in 24 hours that feels like a native part of the Tatra Banka app. The debt visualization and the recurring payments system turned out pretty clean and useful.

What we learned

Real user problems with shared money are bigger than we expected, and the biggest value comes from deep integration with the user’s existing banking app. The correctly made domain analysis is one of the biggest keys to the real solution.