Frich already made it safe to compare.
Anonymous, honest, no pretending — you got a generation to actually look at how they compare to their peers, and feel less alone for it. That’s the hard part, and you nailed it. But comparison is the most emotional moment in the app, and right now the number can quietly tell someone they’re behind — with nowhere to go next. The part you haven’t designed: what happens after it lands.
I’m Carl. I run Sunday, product design for fintech, ex-Swedbank. I kept thinking about how Frich could turn that moment into calm instead of pressure — so I designed it. It’s live, just below.
Saving
How are you actually doing?
See where your saving lands among people your age — honestly, anonymously, no pretending.
Nobody sees your numbers.
From comparison to calm — tap through
The concept, running
It’s live. Tap through it — comparison to calm.
How I’d make Frich the app that never makes you feel behind.
The honest comparison is the moat — Frich got people to look, anonymously, without the flex. But the look is exactly where it can sting: the same number reassures one person and shames the next, and the app stops right there. The fix isn’t a new product. It’s designing the beat after the number, on the surfaces Frich already owns — how the comparison is framed, the one calm step it offers, and the pressure it chooses not to apply.
Four decisions, and why:
How you compare
You
$1,840
Never a scoreboard
Frich shows people how they compare — so the framing is the whole game. I don’t rank you above or below anyone. I show you you’re inside the normal range, where two-thirds of people like you already are. Same data, zero shame.
You’re inside the normal range.
Two-thirds of people land in this band — and so do you.
Reassurance before advice
The first thing after the number can’t be a lecture. It has to be “you’re normal.” Only once someone feels safe do they have room to act — so I lead with belonging, then offer the step, never the other way around.
One small thing
One step, not a plan
An anxious person doesn’t need a budget. They need one doable thing. I hand them the single move people like them made next — $25 a payday — not a dashboard of everything they’re behind on.
“We’ll check back when it makes sense.”
Calm is the product
No streaks, no anxiety-red, no 3am “you’re falling behind.” The whole point is a money app that doesn’t spike your stress. It says its piece, then leaves you alone and checks back when it actually makes sense.
Any app can show you where you rank. The work is making sure the number never tells you you’re behind.
A bit about me.
I’m Carl. I run Sunday, a product-design studio for fintech. Before this, Swedbank, one of the Nordics’ largest banks. I work embedded, like part of the team, from first research to the final interface. No handoffs.
I built this from the outside, on your product and positioning alone — no brief, no access. You’re clearly product-led and brand-strong, so take it as a conversation-starter, not a critique. With your real users and data behind it, it gets a lot sharper.
“He champions user-centered design without ever losing sight of how it drives real business outcomes. That balance is rare.”
Joackim Zwahlen — UX Lead, Swedbank
That’s the idea.
I made this because the problem stuck with me — a money app that’s meant to make you feel less alone shouldn’t be able to make you feel behind. If it’s useful, grab 30 minutes below and I’ll walk you through where I’d take it. If you want it real, a two-week sprint makes the comparison-to-calm layer production-ready in Frich. If not, no hard feelings — I’ll be rooting for you either way.