01
Problem
Finance apps report what you already spent. By then the money is gone. Budgets think in months; people spend in days, at a terminal, with a lock screen in the way.
Project 04
Sigma
Every payment is 1 tap to approve or reject.
02
Constraint
The intervention has to happen at the moment of payment, on the phone, in one decision. Anything longer and it gets dismissed. Sigma cannot ask people to open another finance app while the tap-and-go is waiting.
03
Decision
Every phone payment pauses for one tap. Sigma pre-fills merchant, amount, and category, then prices the purchase in hours worked and goals delayed. Yes or no — the decision lands while the money can still stay put.
04
Outcome
The spend decision moves from a monthly review to the lock screen. Goals stay live against actual behaviour, not a number set in January. Every payment is 1 tap to approve or reject.
Mockup by Mockuuups Studio