Reconciliation 

SaaS 

This is a inward payment reconciliation platform built for SMEs and SaaS companies that struggle with reconciling customer payments across multiple sources like Stripe, PayPal, and direct bank transfers.

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Problem Statement

Problem Statement

Finance teams at SaaS companies and SMEs spend countless hours reconciling payments across multiple sources like Stripe, PayPal, and direct bank transfers. Because deposits rarely match invoices perfectly due to processing fees, refunds, partial payments, or failed transactions teams are forced to rely on messy spreadsheets and manual checks. This process is time-consuming, error-prone, and stressful, especially during monthly closes or audits.

Finance teams at SaaS companies and SMEs spend countless hours reconciling payments across multiple sources like Stripe, PayPal, and direct bank transfers. Because deposits rarely match invoices perfectly due to processing fees, refunds, partial payments, or failed transactions teams are forced to rely on messy spreadsheets and manual checks. This process is time-consuming, error-prone, and stressful, especially during monthly closes or audits.

Research Insights

Research Insights

1. Market Context

The accounts receivable automation market is growing quickly:

  • Valued at USD 3.81B in 2023, it is projected to reach USD 8.83B by 2030 (CAGR ~12.9%).

  • North America leads adoption (43% share), Europe is driven by compliance requirements (GDPR, PSD2), and Asia-Pacific is the fastest-growing region with fintech expansion.

  • Cloud-based solutions are becoming dominant, with 65%+ adoption expected by 2026.

Summary - This is a fast-expanding market, but many companies still struggle with outdated reconciliation methods.

The accounts receivable automation market is growing quickly:
  • Valued at USD 3.81B in 2023, it is projected to reach USD 8.83B by 2030 (CAGR ~12.9%).
  • North America leads adoption (43% share), Europe is driven by compliance requirements (GDPR, PSD2), and Asia-Pacific is the fastest-growing region with fintech expansion.
  • Cloud-based solutions are becoming dominant, with 65%+ adoption expected by 2026.
Summary - This is a fast-expanding market, but many companies still struggle with outdated reconciliation methods.

2. Current Practices

Prevalence of Manual Processes

  • 56% of firms still rely on spreadsheets as their primary reconciliation tool.

  • 84% of UK and US firms depend heavily on manual processes.

  • 94% of spreadsheet users regularly miss reporting deadlines.

Drawbacks of Spreadsheets & Legacy Methods

  • Inefficiency: Finance teams spend ~3 hours daily preparing and cleaning data.

  • Error-prone: Manual reconciliation has 1–5% error rates, compared to <0.1% with automation.

  • Scalability limits: A single specialist can only process ~4,500 invoices/month manually vs. 19,000+ with automation.

  • Data silos: Multiple ERPs, banks, and processors create disconnected, incomplete records.

Summary - Manual workflows are slow, error-prone, and don’t scale as payment volumes grow.

Prevalence of Manual Processes
  • 56% of firms still rely on spreadsheets as their primary reconciliation tool.
  • 84% of UK and US firms depend heavily on manual processes.
  • 94% of spreadsheet users regularly miss reporting deadlines.
Drawbacks of Spreadsheets & Legacy Methods
  • Inefficiency: Finance teams spend ~3 hours daily preparing and cleaning data.
  • Error-prone: Manual reconciliation has 1–5% error rates, compared to <0.1% with automation.
  • Scalability limits: A single specialist can only process ~4,500 invoices/month manually vs. 19,000+ with automation.
  • Data silos: Multiple ERPs, banks, and processors create disconnected, incomplete records.
Summary - Manual workflows are slow, error-prone, and don’t scale as payment volumes grow.

3. Key Pain Points & Frustrations

Summary - These pain points create stress for finance teams, damage customer trust, and increase compliance risks highlighting the need for a SaaS solution that is accurate, transparent, and easy to use.

Summary - These pain points create stress for finance teams, damage customer trust, and increase compliance risks highlighting the need for a SaaS solution that is accurate, transparent, and easy to use.

Target Audience

Target Audience

This SaaS tool is designed for finance teams at SMEs and SaaS companies who spend excessive time reconciling payments across banks, payment processors, and ERPs. The primary users are accountants and finance managers, while business owners and auditors benefit indirectly through improved visibility, accuracy, and compliance.

This SaaS tool is designed for finance teams at SMEs and SaaS companies who spend excessive time reconciling payments across banks, payment processors, and ERPs. The primary users are accountants and finance managers, while business owners and auditors benefit indirectly through improved visibility, accuracy, and compliance.

Primary Target Audiences ( Direct users )

Primary Target Audiences ( Direct users )
  1. Accountants / AR Specialists

  • Who: Finance team members responsible for matching payments to invoices daily.

  • Needs: Save time, reduce manual spreadsheet work, avoid errors, meet month-end deadlines.

  • Frustrations: Mismatched references, fragmented data across systems, stress during close.

  • Why They Matter: They are the core daily users of the tool.

  1. Finance Managers / Controllers

  • Who: Mid-level managers overseeing finance operations in SMEs and SaaS companies.

  • Needs: Real-time visibility into receivables, accurate reports, reduced team stress.

  • Frustrations: Delays in reporting, hidden unapplied cash balances, compliance risk.

  • Why They Matter: They ensure adoption and will push for purchase if it saves resources.

  1. Accountants / AR Specialists

  • Who: Finance team members responsible for matching payments to invoices daily.
  • Needs: Save time, reduce manual spreadsheet work, avoid errors, meet month-end deadlines.
  • Frustrations: Mismatched references, fragmented data across systems, stress during close.
  • Why They Matter: They are the core daily users of the tool.
  1. Finance Managers / Controllers
  • Who: Mid-level managers overseeing finance operations in SMEs and SaaS companies.
  • Needs: Real-time visibility into receivables, accurate reports, reduced team stress.
  • Frustrations: Delays in reporting, hidden unapplied cash balances, compliance risk.
  • Why They Matter: They ensure adoption and will push for purchase if it saves resources.

Secondary Target Audiences ( Indirect users / stakeholders )

Secondary Target Audiences ( Indirect users / stakeholders )
  1. Business Owners / Founders (SMEs & SaaS startups)

  • Who: Owners or leadership in small to mid-size companies.

  • Needs: Simplicity, visibility into cash flow, confidence in numbers.

  • Frustrations: Don’t have time for manual finance work, want scalable processes.

  • Why They Matter: They often approve budget for SaaS tools.

  1. Auditors / Compliance Officers

  • Who: External or internal auditors reviewing financial records.

  • Needs: Clear audit trails, reliable matching history, transparency.

  • Frustrations: Manual systems lack documentation, creating compliance risks.

  • Why They Matter: Their endorsement builds trust in the tool’s reliability.

User Research & Insights

User Research & Insights

To better understand how gamers interact with current platforms, I conducted informal interviews with competitive players & Survey responses from casual PC gamers aged 16–35.

To better understand how gamers interact with current platforms, I conducted informal interviews with competitive players & Survey responses from casual PC gamers aged 16–35.

Personas

Personas

Aryan Mehta 24, India

Aryan is a university student and top-ranked Valorant player who spends several hours daily playing, reviewing stats, and watching tournaments. He uses platforms like Tracker.gg, Twitch, and Discord

Goals

  • Track and analyze ranked match performance in real time.


  • Stay updated on tournaments, patches, and pro-level strategies


  • Discover competitive games that match his skillset and genre preference

Pain points

  • Needs to switch between multiple apps for tracking, watching, and buying.


  • Misses key insights because stats aren’t presented proactively.


  • Finds it difficult to discover new games that are “esports-worthy”

Lina Verhoeven 27, France

Lina is a marketing executive who unwinds with cozy and story driven games after work. While she’s not competitive, she enjoys staying up to date with trending games, but finds it difficult to navigate between platforms for reviews, gameplay footage, and purchases.

Goals

  • Discover new, story or relaxing games without digging too much


  • Watch entertaining streams and creator content


  • Easily access reviews and gameplay previews before buying

Pain points

  • Steam feels overwhelming and lacks personalized suggestions


  • Needs to switch between Twitch, YouTube, and Steam to explore a game


  • Finds it hard to track games she’s interested in or follow up on them later

Aryan Mehta 24, India

Aryan is a university student and top-ranked Valorant player who spends several hours daily playing, reviewing stats, and watching tournaments. He uses platforms like Tracker.gg, Twitch, and Discord

Goals

  • Track and analyze ranked match performance in real time.


  • Stay updated on tournaments, patches, and pro-level strategies


  • Discover competitive games that match his skillset and genre preference

Pain points

  • Needs to switch between multiple apps for tracking, watching, and buying.


  • Misses key insights because stats aren’t presented proactively.


  • Finds it difficult to discover new games that are “esports-worthy”

Lina Verhoeven 27, France

Lina is a marketing executive who unwinds with cozy and story driven games after work. While she’s not competitive, she enjoys staying up to date with trending games, but finds it difficult to navigate between platforms for reviews, gameplay footage, and purchases.

Goals

  • Discover new, story or relaxing games without digging too much


  • Watch entertaining streams and creator content


  • Easily access reviews and gameplay previews before buying

Pain points

  • Steam feels overwhelming and lacks personalized suggestions


  • Needs to switch between Twitch, YouTube, and Steam to explore a game


  • Finds it hard to track games she’s interested in or follow up on them later

User Flow

User Flow

Based on the user journey map, we built the basic functional framework of the app with the corresponding user flow.

Based on the user journey map, we built the basic functional framework of the app with the corresponding user flow.

Design System

Design System

AA

AA

Outfit

Outfit

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#6E00FF

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#8C3DFF

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#0F111A

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#1A1C25

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#20232E

Dashboard

Dashboard

The Dashboard is the user’s central hub, showing featured game promotions, recently played titles, and the latest news. It’s designed for quick access and high engagement, with a dark, immersive theme.

The Dashboard is the user’s central hub, showing featured game promotions, recently played titles, and the latest news. It’s designed for quick access and high engagement, with a dark, immersive theme.

Stream Section

Stream Section

A personalized streaming space that features official tournament broadcasts, live streams from your followed creators, and AI-powered recommendations based on your viewing habits.

A personalized streaming space that features official tournament broadcasts, live streams from your followed creators, and AI-powered recommendations based on your viewing habits.

Game Library

Game Library

Users can browse and manage all owned games in one place. Clean grid layout with instant access to launch or continue playing.

Users can browse and manage all owned games in one place. Clean grid layout with instant access to launch or continue playing.

Game Stats

Game Stats

This is where players can dive into their performance across all games - match history, win/loss records, rankings, and more. Whether you’re climbing the ladder or just curious about your progress, it’s all laid out clearly to help you track your growth and see how far you’ve come.

This is where players can dive into their performance across all games - match history, win/loss records, rankings, and more. Whether you’re climbing the ladder or just curious about your progress, it’s all laid out clearly to help you track your growth and see how far you’ve come.

Store

Store

A curated space to discover, explore, and buy games. Each game page includes trailers, screenshots, reviews, and pricing, making it easy to decide what to play next.

A curated space to discover, explore, and buy games. Each game page includes trailers, screenshots, reviews, and pricing, making it easy to decide what to play next.

A smooth and simple flow to reviewuser's selected games, and to complete purchase securely. Designed for speed and clarity, so you can get back to playing fast.

A smooth and simple flow to reviewuser's selected games, and to complete purchase securely. Designed for speed and clarity, so you can get back to playing fast.

Wireframes

Wireframes

All Screens

All Screens