Banking on Subscriptions? Think Again With Me
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Date
2025-05
Authors
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Publisher
The Ohio State University
Abstract
Your money tells a story; Huntington helps you read it. That journey begins with what our research unveiled as The Iceberg of Spending—the divide between flex and fixed transactions. Flex transactions are visible, representing conscious, day-to-day spending. Below the surface, fixed payments accumulate quietly, often unnoticed yet significantly shaping financial stability.
Using a Research through Design approach that combined surveys, interviews, observations, iterative assessments, and external sources, we discovered a misalignment between consumer and business motivations—dark patterns and weaponized algorithms encourage spending while limiting control and fueling subscription fatigue. These fragmented services create financial uncertainty and make tracking payments difficult.
If... you’re drowning in unexpected subscriptions, feeling overwhelmed by daily purchases, or worried about money slipping away unnoticed... then you’ll regain control with With Me, the app that centralizes subscriptions, predicts expenses, and rewards smart financial choices—all while turning money management into an engaging experience you can compare anonymously or share with friends.
Our research shaped our design decisions from the features we included to how they are presented in the app. Customize your homepage to track flex and fixed payments in real-time. Group subscriptions with Huntington for one discounted price on a timeline you set. Predict utility peaks or grocery trips to plan ahead. Explore your personalized spending path, from environmental impact to caffeine intake, and track specific purchases to compare with peers to see how your spending patterns float in relation to others. Understand what’s visible, what’s hidden, and what it means for your financial journey.
With Me is currently envisioned as an extension of the Huntington app for its users. Using existing transactional data, the platform gives clear, personalized insights as your story unfolds, breaking your iceberg of spending into manageable pieces to sail more confidently on unsteady waters, backed with a reward system to measure the distance you’ve traveled along the way.
It's not about cutting down—it's about understanding your money journey and taking control, on your terms. No more uncertainty, just precise, actionable financial clarity. With Me, for you by Huntington.
Description
1st Place in Business, Society, and International Relations at The Ohio State University Denman Undergraduate Research Forum
Keywords
Smart Tracking App, Subscription Sanity