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Case Study | Credit Canada
Empowering Financial Wellness for Canadians with Budget Butterfly
Teamed together to design and launch a smart, user-centric platform that helps newcomers and residents take control of their finances with confidence.
5 min read
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Credit Canada, a foremost non-profit credit counseling agency, recognized the critical need for an accessible, engaging, and impactful digital tool to enhance financial literacy among newcomers and long-term residents alike. The goal was to create a platform that not only supports day-to-day budgeting but also fosters long-term financial planning and confidence.
Zazz partnered with Credit Canada to design, develop, and maintain Budget Butterfly—a personalized, data-driven financial wellness web portal that integrates income and expense tracking, cash flow analysis, targeted educational content, and actionable budget recommendations. The platform balances financial discipline with lifestyle flexibility, empowering users to make informed financial decisions and build sustainable habits.
The Engineering Impact
A financial planning tool that’s as human as it is powerful.
+120% engagement rate in the first 3 months
Driven by a highly personalized budgeting experience
90% of users set and track
at least one savings goal
Following the rollout of the smart recommendation engine
12+ months of continuous product maintenance and upgrades
Ensuring long-term stability, user feedback loops, and feature growth
The Challenge
- 1. Diverse User Base with Varied Financial Literacy Levels
- Budget Butterfly needed to serve a broad demographic—from newcomers unfamiliar with Canadian financial systems to experienced residents seeking deeper financial control—requiring adaptive UX and layered content delivery.
- 2. Balancing Complexity and Usability
- Delivering robust financial tracking and analytics without overwhelming users demanded an intuitive interface, clear data visualization, and real-time feedback loops to foster ongoing engagement.
- 3. Personalization and Actionability at Scale
- Generating tailored budget recommendations required integrating user data with algorithm-driven insights, ensuring relevant, timely, and practical guidance that users could trust and act upon.
- 4. Security, Privacy, and Compliance
- As a platform handling sensitive financial data, Budget Butterfly had to comply with stringent data privacy regulations, including PIPEDA, while maintaining high standards of data security and user trust.
The Objective
- Build a web-based platform to help users manage monthly income, expenses, and cash flow
- Provide dynamic financial insights and budgeting recommendations in real time
- Educate users on Canadian financial systems through curated resources
- Support smart notifications and personalized goals (e.g., debt repayment, vacation savings)
- Deliver a scalable and maintainable product from design to deployment and beyond
The Solution
Zazz delivered a comprehensive engagement spanning product design, technical architecture, development, and ongoing platform management:
1. User-Centered Design with Accessibility Focus
- Through iterative prototyping and user testing, we crafted an interface optimized for clarity and simplicity, with multilingual support and accessibility features adhering to WCAG guidelines—ensuring inclusivity for users with diverse backgrounds and abilities.
2. Robust Data Integration and Analytics Engine
- Leveraging secure APIs and cloud infrastructure, Budget Butterfly ingests real-time financial data inputs to dynamically visualize cash flow, categorize expenses, and identify trends that inform personalized budgeting strategies.
3. Smart Recommendation Algorithms
- Built on a foundation of behavioral finance principles, our algorithms deliver actionable insights and nudges, helping users prioritize spending, optimize savings, and build resilience against financial shocks.
4. Secure, Scalable Platform Architecture
- With end-to-end encryption, role-based access controls, and continuous security monitoring, Budget Butterfly ensures data integrity and compliance, supported by a cloud-native, scalable infrastructure to handle increasing user demand.
The Impact
- Broad User Adoption Across Demographics: The platform supports thousands of users monthly, with high engagement from both newcomers and established residents.
- Improved Financial Behaviors: Data indicates users report better spending habits, increased savings rates, and heightened confidence in financial planning.
- High Accessibility and Satisfaction Scores: Inclusive design and educational content have driven strong user satisfaction and accessibility compliance.
- Operational Efficiency: Ongoing maintenance and agile feature enhancements by Zazz ensure continuous platform improvement without operational disruption.
- Enhanced Trust and Brand Positioning: Budget Butterfly solidifies Credit Canada’s reputation as a forward-thinking, tech-enabled leader in financial counseling.
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