Concept Exploration for a Kids' Banking App
SberKids is a banking app designed to help children take their first steps in managing money and developing financial skills
- Client
- SberKids
- Duration
- 4 Weeks
- Scope
- 4 Concepts
- Date
- Feb 2026
(1) Gamification
Problem
Most user activity in SberKids is concentrated on the home screen, while other sections receive less attention. As a result, the app's gaming and educational features often go unnoticed.
Solution
A unified gamification system that connects different sections of the app through challenges, mini-games, and rewards.
1.1 / 3D Piggy Bank
At the heart of the experience is Piggy, an interactive 3D piggy bank character.
Customization allows children to create a unique character and turn their in-game achievements into visible rewards.
Children can personalize Piggy with accessories and themed outfits, unlocked through achievements or purchased with virtual currency.
1.2 / PLAY, LEARN & EARN
Children earn virtual currency and diamonds through mini-games, daily challenges, and financial lessons. Rewards motivate them to learn, explore the app, and unlock new accessories for Piggy.
1.3 / SHARE WITH FRIENDS
Children can share their customized Piggy characters, explore their friends' creations, and interact through likes and comments. This turns personalization into a social experience, encouraging creativity and self-expression.
(2) Age-Adaptive
Problem
Children aged 6–9 and teenagers aged 10–14 have different needs, levels of independence, and expectations. A single interface doesn't fully address these differences.
Solution
Two age-specific experiences that adapt the app's visual style, interactions, and financial learning mechanics to each stage of growing up.
2.1 / VIRTUAL PET (6-9)
For children aged 6–9, financial activities become part of caring for a virtual pet.
Saving money, completing tasks, and reaching goals help the pet grow and evolve. This makes financial learning more playful, emotional, and rewarding.
2.2 / FINANCIAL ASSISTANT (10-14)
For teenagers aged 10–14, the experience shifts toward independence and financial responsibility.
A virtual assistant helps users manage savings, track their progress, and build financial habits through practical challenges and educational content.
(3) Safe Space
Problem
Younger children need opportunities to connect with their peers, but open social platforms can expose them to risks without parental supervision.
Solution
A safe digital space within the Sber ecosystem, combining moderated communication, collaborative games, and an AI companion.
3.1 / PRIVACY & COMMUNICATION
3.2 / MULTIPLAYER GAMES
Collaborative activities encourage communication and teamwork, while moderation helps maintain a safer environment for everyone.
(4) Family Finances
Problem
Parents often see kids' banking primarily as a tool for managing money, while opportunities for financial education and shared experiences remain less visible.
Solution
A family-centered experience that combines shared savings, financial planning, and interactive learning. The concept helps children build financial skills through real-life activities and collaboration with parents.
4.1 / SHARED SAVINGS
Children and parents can create shared savings goals, contribute money, and track progress together. Each family member can take part, turning saving into a collaborative and rewarding experience.
4.2 / FINANCIAL LEARNING
Interactive lessons and practical challenges help children develop financial skills through everyday situations. In the “Role Reversal” game, children take on the role of a parent, manage a family budget, and explore the consequences of their financial decisions.
