Flowly · Product opportunity
Navid Semi · navidsemi.com · 01 / 06
AI-assisted product conceptUser-tested prototype

Better money decisions when income is unpredictable

A mobile app that shows UK freelancers how much they can safely spend before their next payment arrives.

Navid Semi
Product Concept & Design
Safe to spend £1,240 until Fri 14 Nov · 7 days Balance £2,310 · after bills, tax and buffer Not counted yet: £420 from Brightside
Flowly · Product opportunity
Navid Semi · navidsemi.com · 02 / 06
The problem

Irregular income makes everyday money decisions harder

01
Unpredictable income
Freelancers don’t always know exactly when clients will pay.
02
Predictable commitments
Rent, bills and essentials still need to be covered on time.
03
Unclear spending capacity
A healthy-looking balance doesn’t mean the money is free to spend.
Supporting research
67.5%
experienced late payment
Leapers, 2025 Mental Health in Freelancing Report. Survey respondents, not representative of all UK freelancers.
It shows payment uncertainty is real. It doesn’t prove Flowly solves it.
Flowly · Product opportunity
Navid Semi · navidsemi.com · 03 / 06
The Flowly solution

Know what you can spend today, and what to keep for tomorrow

01
Understand your money
Balance, upcoming bills and expected payments in one place, with a separate pot for each currency.
02
Plan ahead
A 30-day forecast shows the lowest point coming up. Bills and a tax reserve are set aside first.
03
Make informed decisions
One “safe to spend” figure, with the sum behind it. Expected income never counts until it arrives.
Prototype · demo data · manual entry, no bank connection yet
Dashboard · Today
Today · the dashboard
Safe to spend · How it’s worked out
Safe to spend · how it’s worked out
Flowly · Product opportunity
Navid Semi · navidsemi.com · 04 / 06
Evidence from usability testing

Designed around feedback from real freelancers

6
UK freelancers tested, plus a pilot session
2
screens redesigned from the findings
What they did
12 tasks as “Maya”, a freelancer with three clients: say what she can spend and until when, explain the number, record a part payment, find the tightest day.
What we learnedWhat changed
2 of 6 thought money a client still owed was already spendable“Not counted yet” label on the number and the payment
2 of 6 edited the amount before finding “Part payment”The form now asks “How much arrived?” first
1 of 6 missed until when the figure appliesThe “until” date is now bold
5 of 6 preferred a separate pot for each currencyDecision confirmed, kept as designed
Small qualitative round on a prototype · findings describe 6 people · redesigns not yet retested
One real change
Before
Today · before
After
Today · after

The owed £420 is now labelled Not counted yet, right next to the number.

Flowly · Product opportunity
Navid Semi · navidsemi.com · 05 / 06
The opportunity for organisations

A potential new financial wellbeing service for your freelancer community

Purpose-built planning
Give members a money-planning experience designed for irregular income.
A new member benefit
Explore an additional benefit that addresses financial uncertainty.
Plan around commitments
Help members plan around late payments, recurring bills and tax.
Shaped by members
Develop the service together, informed by member feedback.
Your organisation
Community & reach
Member relationships, channels and feedback.
+
Flowly
Product & direction
Product concept, tested prototype, design and product direction.
=
Potential member benefit
A future planning service
Subject to development and validation.
Flowly · Product opportunity
Navid Semi · navidsemi.com · 06 / 06
What’s next

Let’s explore the future of Flowly

01 · Partnership
Pilot with your community
Test Flowly with a group of your freelancers and learn together.
02 · Acquisition or licensing
Bring Flowly in-house
Add Flowly to your own products or services.
03 · Product development
From prototype to product
Work together to turn the prototype into a working app.
Ready today
Clickable Figma prototype · 32 designed screens · design system · landing page · product documentation · usability findings
Still to build
Engineering · Open Banking, security and regulatory review · problem-validation interviews · retest of the redesigns
Created with AI across product strategy and design, under my direction, judgement and usability-led iteration · Navid Semi