USTH Innovation · Session 1 · Exercise 1
HụiKeeper 2.0
Improving a hụi-tracking app with SCAMPER
A big informal market
- Hụi and bốc bát họ circles are everywhere
- Black credit and pawnshops fill the gaps
- Formal finance does not reach many households
High demand, little protection.
Where the gap is
The product today
- Flutter app for Android and iOS
- Fully offline: SQLite on the device
- Dead hụi (no interest) and live hụi (interest)
- Paid / unpaid, actual amount, notes
- Stats: paid, remaining, progress
How it is built, and where changes land
One hụi cycle: everyone pays, one member collects
SCAMPER: seven questions for one product
SSubstituteWhat can be replaced or swapped?
CCombineWhat can be merged into one?
AAdaptWhat else is like this, and what can be copied from it?
MModifyWhat can be made bigger, smaller, faster, slower or different?
PPut to another useWho else could use it, and where else?
EEliminateWhat can be removed without losing the core value?
RRearrange / ReverseWhat if the order, roles or layout were reversed?
Fewer steps to record a payment
SSubstitute
One-tap “Paid” replaces typing amounts.
Recording a payment takes seconds instead of a form.CCombine
Ledger, reminder and payment QR on one card.
Fewer screens between knowing a due date and settling it.Borrow what works, then flex it
AAdapt
Loan-app due / overdue timeline; share receipts like a chat.
Users already understand these patterns, so there is nothing new to learn.MModify
Flexible cycle length and a large-text mode.
One app fits many circle rhythms and many kinds of users.Widen it, strip it, flip it
PPut to another use
Savings-goal tracker and payment history.
The same data model creates value beyond hụi.EEliminate
No sign-up, no internet, auto-calculated payouts.
Less friction, less risk, and full privacy on the device.RRearrange / Reverse
Player view first, host view one tap away.
The home screen answers the question users actually ask first.The new version, on one screen
What changes, and what comes next
- Fewer taps per payment
- Reminders before every due date
- Nothing to sign up for, still offline
Next: clickable prototype, test with 5 hụi players, explore escrow-ready records.