Client
Fizz
Location
New York, USA
Year
2024
Duration
Ongoing
Contribution
Brand design, visual design, illustration, motion graphics, all-round graphic design

In a nutshell

Fizz is a fintech startup that aims to help college students build healthy credit scores. They provide students with a debit card and an accompanying app that promotes responsible financial management. Fizz has managed to aid tens of thousands of students across 300+ universities since its January 2023 launch. I joined Fizz in March 2023 as a contracted all-round designer, creating brand assets, artwork, email marketing, web design, and motion graphics.

To read more about the background and research for this case study, take a look at its deep dive version.

Three students in front of an NYU building
Fizz was founded with college students in mind, but it can be used by anyone located in the US.

Branding

While I’d love to claim the creation of Fizz’s brand design, I can't take that credit– Fizz simply brought me on board to use and maintain their existing brand kit. Fizz does a great job of setting itself apart from the competition, and it aligns well with the intended target audience. The branding is bold, fun, and eye-catching, but it also has a very streamlined edge that keeps it from appearing too playful (or in other words, immature).
A breakdown of the construction of the Fizz and Fizz Premium logos
This logo was originally created by Metacarbon; I just made some tweaks to improve the overall harmony of the logoface.

Drawings to draw people in

A significant portion of my work for Fizz revolves around illustrations. These illustrations cover a wide range of financial topics and strike a balance between fun and seriousness. You'll see these assets throughout the app, on merchandise, social media, blogs, and in email marketing.
A t-shirt, laptop, desktop computer, and phone, featuring several illustrations
The artwork I create for Fizz is used in various mediums throughout the brand.

Tailor-made multimedia visual assets

I've created bespoke images for various purposes, including email marketing, promotional apparel, and in-app assets. For web and app usage, we generally use the artwork as-is to avoid increasing loading times due to rasterized assets. However, for other media, I add some grainy, perfectly-imperfect post-processing to make the illustrations just a little bit more interesting.
Sometimes I animate the artwork too!

Themes and topics

Although the content and copy paired with these assets often focus on finance-related topics, the themes and subjects of the artwork vary. Instead of outright depicting money, I try to reference it to avoid monotony. Sometimes these nods are subtle... Other times, not so much.
Glasses in the shape of dollar signs
Instead of depicting money outright, I aim to visually reference it when creating visual assets.

Finding the right balance

With each illustration request, I challenge myself to creatively represent financial concepts without repeating motifs. The biggest challenge is walking the line between relatively serious topics and visually fun, exciting designs. They’re almost never too boring, but sometimes they do get too fun. But that's all part of the process.
Two flag pistols crossing each other
In this illustration, the financial motif isn't as prominent, but it's still visible.

Great copy deserves great visuals

Many companies rely on stock assets for social media posts or blog articles, but not Fizz! Custom illustrations make the brand feel more well-established and intentional. In a world dominated by Corporate Memphis, Fizz chooses to march to the beat of its own drum.

If you didn't know, Corporate Memphis is a bit of a meme among designers. It's generally perceived as offensively inoffensive and painfully corporate.

A grid of illustrations from the asset library
We've accumulated quite the asset library by now—this isn't even half of it!

Ensuring consistency that's scalable

Even though different mediums call for various techniques, styles, and topics, the illustrations maintain a consistent look. This allows them to be used across multiple platforms with little to no additional editing.
Hover your mouse over the email tabs to see more.

Marketing communications

Fizz uses multiple channels to advertise their product, including social media and email. The best way to keep an email from going straight to the trash is by creating content people actually want to interact with, whether it's useful information or a great deal. The visual is just the hook, but you can't catch fish without a hook!
Horizontally scroll in the Instagram window to see the full set of slides.

Closed mouths don't get fed

As a B2C company, it's crucial for Fizz to stand out in the crowded social media landscape. For social media posts, the focus is on creating valuable content. The post shown above uses Fizz's signature yellow as a full background color, which isn't common. When the objective is to make the content hard to ignore, sometimes you have to bend the rules a little bit.
Illustration of a phone featuring the Fizz Premium paywall, along with some branded artwork
If you turn a circle inside out, you get a sparkle—it's not rocket science.

Fizz Premium

Fizz Premium, the latest addition to the Fizz family, offers users more insights, savings, and cash back. The branding needed to be distinct yet still recognizable as part of the core brand. If Fizz is for students who want to get serious about their finances; Fizz Premium is for those who want to get very serious.
A side-by-side comparison of Fizz and Fizz Premium
The Premium branding adds a sleek veneer to the base brand, which young adults may perceive as more serious.

Fizz Premium's colors

The primary brand color for 'base' Fizz is bright yellow, so our initial thought for a premium variant was to use gold. However, experimenting revealed that gold felt too similar to the base brand, and we needed more contrast. And what usually surpasses gold? Exactly: platinum!
Illustration of a phone featuring the Fizz Premium paywall, along with some branded artwork

How it's being used

You'll find Premium-branded assets integrated into Fizz's customer-facing communication when appropriate, but the primary focus remains on the base Fizz brand. Initial feedback has been positive. Conversion rates are reportedly high, and stakeholders are pleased with the new brand offshoot– and so am I!
“Yoel is an intuitive design professional who can easily place himself into user personas to design not only beautifully creative, but compelling and narratively appropriate copy. Yoel is extremely organized and communicative, and adept at developing conceptually relevant but distinctive brand direction ideas.”
– Scott Smith, Co-founder of Fizz

Sources & credits

Sources

  1. Marketing to Gen Z vs. Millennials [https://mailchimp.com/resources/marketing-to-gen-z-vs-millennials/]
  2. Attitude-Behavior Gap Report [https://corporate.zalando.com/en/our-impact/sustainability/sustainability-reports/attitude-behavior-gap-report]
  3. Communicating with Generation Z: Everything You Need to Know [https://www.keg.com/news/communicating-with-generation-z-everything-you-need-to-know]
  4. I feel like everyone and everything is trying to sell me something [https://www.reddit.com/r/personalfinance/comments/sqifke/i_feel_like_everyone_and_everything_is_trying_to/]
  5. The Average Life Span of Viral Web Content [https://www.socialmediatoday.com/content/average-life-span-viral-web-content]
  6. Ready or Not: Immature But Headed to College [https://psychcentral.com/lib/ready-or-not-immature-but-headed-to-college]
  7. What young adults wish they knew about money sooner [https://www.bankrate.com/credit-cards/advice/what-young-adults-wish-they-knew-about-money-sooner/]
  8. Political Issues Students Care About [https://www.bestcolleges.com/blog/political-issues-students-care-about-2020/]

Credits

  • Original Fizz branding: Metacarbon
  • Fizz design team: Natasha Jahchan (Head of design), Kat Machin (UI/UX), Yoel Martherus (Visual)
  • Artwork: Yoel Martherus
  • Brand continuation: Yoel Martherus

In writing this case study, some details have been omitted out of due diligence to the  proprietary nature of this client's business. The information shared on this page has been made available with their explicit permission.

Deep dive

Introduction

Fizz is a Y Combinator-backed fintech startup based in New York. They distribute debit cards to college-aged students while also educating them on responsible financial management. Founded by Scott Smith and Carlo Kobe, the company was conceived to rethink credit building for college students from the ground up and help young people build and maintain healthy credit scores.

Target demographic

Fizz primarily caters to college students and high school graduates on their way to college. Most young people are not sufficiently financially literate, and Fizz is intended to combat that issue. It fills a kind of learn-as-you-go niche that is uncommon in the current fintech sphere.

Three students in front of an NYU building
Fizz was founded with college students in mind, but it can be used by anyone located in the US.

Unique selling points

Fizz stands out due to its strong backing and rapid success. It's received support from big players like Kleiner Perkins: the venture capital firm behind giants like Google, DoorDash, and Airbnb. Since its launch on January 12, 2023, Fizz has helped tens of thousands of college students from over 300 universities build better financial futures. In 2023, it's been named the top card for students by Business Insider in 2023.

My responsibilities

I joined Team Fizz in March of 2023 as a contracted all-round designer focusing on brand asset creation, which is something I still happily do as of the writing of this case study. My work encompasses various design tasks, including artwork creation, email marketing, web design, motion graphics, and more.

Research and analysis

As somebody with surface level knowledge of the North American college life and credit system, I had some studying to do. Luckily, a big chunk of that studying could be done simply by scrolling on social media.
"What the hell is a credit score?" – Me, 2022

Audience analysis

Determining what appeals to our target audience of late teens and young adults (which I'll refer to simply as 'the target group' from this point forward, for the sake of brevity) is a bit of a paradox: On one hand, they basically let us know exactly what they like and dislike through their use of social media. On the other hand, they're notoriously difficult to market products that are based in utility to, such as a financially responsive debit card.

Observations

Our target group, especially those pursuing a higher education, appear to be disillusioned by blatant attempts at marketing. They have a low tolerance for companies trying to seem cool or relatable, and being too obvious about your intent to sell something has a high chance of backfiring. While staying current is advisable, trends among the target group evolve so quickly that building a brand based around the next big thing is not sustainable.

Lots of kids heading to college for the first time want to feel like adults to a certain extent. They want to experience a sense of autonomy– but 'adulting', as us Millennials might call it, is still very intimidating. Especially  finances are a bit of a struggle. The current political, social, and financial landscapes makes it so that the new wave of college students face challenges that other generations did to a lesser degree, or not at all.

Plan

Philisophy

Fizz should focus on creating brand awareness. We want the target group to know where to find you, once they've decided for themselves that they could benefit from using your product. We want to position Fizz as a 'grown-up' brand: If you feel like that's an odd way of phrasing it, you're right. Fizz shouldn't aim to have a brand perception similar to companies like a Deloitte or a Bank of America, for example– It should be a brand that feels grown up from the perspective of our younger target group. We want to aim for a mature image through the lens of a young person. (God, I feel old writing this.)

End user interaction

As a consumer-facing brand, interaction with the end user should be front and center. Being aware of their wants and issues is important when shaping the brand and its storytelling. By positioning Fizz as a brand that is interested in actively helping to combat those issues, we can create great promotional opportunities that benefit all parties involved.

Communication rationale

Avoid being perceived as 'cheugy' or outdated. Fizz's brand design should be versatile enough to evolve along with the zeitgeist, but from a distance. Visibility and a good understanding of contemporary culture are key, and while communication can be conversational, it shouldn't lean too much on the overly casual side. Fizz isn't your buddy; it's your cool college professor.

Please refer to the bottom of this page for sources.

Brand breakdown

About the brand

While I'd love to say I created Fizz’s brand design, all credit goes to Metacarbon. Fizz brought me on to use the kit they developed and maintain the brand. As I got more familiar with the brand guidelines, I worked to stay true to the original vision while also incorporating insights from my target group research.

Fizz does a great job of setting itself apart from the competition, and it aligns well with the intended target audience. The branding is bold, fun, and eye-catching, but it also has a very streamlined edge that keeps it from appearing too playful (or in other words, immature).

Fizz's color palette

Color usage

Fizz's brand guidelines offer a diverse palette of colors in various tints and shades. The primary color is a vibrant yellow that does a great job of ensuring brand communications are not easily overlooked—though I will admit it's not the easiest color to combine.

Typography

Roc

Displays and headings: Roc Grotesk Wide Bold

Roc Grotesk Wide Bold is a fantastic display font due to its modern and eye-catching design. Its bold and wide letterforms create a strong visual impact, making it perfect for headlines and attention-grabbing text. The geometric shapes and clean lines provide a contemporary aesthetic, while its versatility ensures readability across various media.

DM Sans

Body: DM Sans family

DM Sans pairs well with Roc Grotesk Wide Bold because of its similar shape language. While Roc demands attention with its strong, bold presence, DM Sans offers a complementary simplicity that promotes readability in body text. This balance creates a cohesive and visually appealing typography system, adaptable across digital and print media.

A breakdown of the construction of the Fizz and Fizz Premium logos
This logo was originally created by Metacarbon; I just made some tweaks to improve the overall harmony of the logoface.

Logo

I can't take credit for the original logo – that belongs to someone else. What I can take credit for are the subtle changes I made to enhance its visual harmony and consistency. These tweaks were part of a legacy update for the launch of Fizz Premium, which I'll dive into more in a later chapter.

Illustrations

A significant portion of my work for Fizz revolves around illustrations. I've had the pleasure of creating visual assets that enhance Fizz's content, user experience, and brand promotion. These illustrations cover a wide range of financial topics and strike a balance between fun and seriousness. You'll see these assets throughout the app, on merchandise, social media, blogs, and in email marketing.
A t-shirt, laptop, desktop computer, and phone, featuring several illustrations
The artwork I create for Fizz is used in various mediums throughout the brand.

Usage

These illustrations aren't confined to just one channel. I've created bespoke images for everything from email marketing to promotional apparel. Even though different mediums call for various techniques, styles, and topics, the illustrations maintain a consistent look. This allows them to be used across multiple platforms with little to no additional editing.

Sometimes I animate the artwork too!

Techniques and post-processing

The post-processing for illustrations varies depending on their end use. For web and app usage, we generally use the artwork as-is to avoid increasing loading times due to rasterized assets. However, for other media, we add a more grainy, deliberately imperfect appearance to the illustrations. This technique gives the artwork a unique texture and depth.

Glasses in the shape of dollar signs
Instead of depicting money outright, I aim to visually reference it when creating visual assets.

Themes and topics

Although the content and copy paired with these assets often focus on finance-related topics, the themes and subjects of the artwork vary. I strive to minimize visualizing money to avoid monotony. While a piggy bank illustration could theoretically cover many of Fizz's use cases, it's not the most diverse option. With each new illustration request, I challenge myself to creatively represent financial concepts without repeating motifs, ensuring each illustration feels fresh and unique.

Two flag pistols crossing each other
In this illustration, the financial motif isn't as prominent, but it's still visible.

Challenges

Illustrating artwork comes with its challenges, the biggest being the balance between relatively serious topics and visually fun, exciting designs. Sometimes, I have to simplify an illustration if my initial idea is too far-fetched. But that's all part of the process – we'll get there eventually!

A grid of illustrations from the asset library
We've accumulated quite the asset library by now—this isn't even half of it!

Impact

Unlike many companies that rely on stock assets for social media posts or blog articles, Fizz invests in custom artwork. This commitment sets their content apart and showcases a higher level of care and attention to detail. In a world dominated by Corporate Memphis, Fizz stands out. Even those unfamiliar with the concept of Corporate Memphis can feel the difference. Custom illustrations make the brand feel more well-established and thoughtful.

Communication

Fizz uses multiple channels to advertise their product, including social media and email. Email is one of the key communication channels Fizz uses to notify users of new features and updates. To ensure these emails stand out among the many you receive daily, we lead with visually engaging hooks that make people want to keep reading.
Hover your mouse over the email tabs to see more.

Emails

Email marketing is an essential part of advertising, and the best way to prevent an email from going straight into the trash is by creating content that people actually want to read. By adding eye-catching visuals right at the top of an email, we aim to capture the recipient's attention and encourage them to keep reading or take specific actions. Besides boosting conversions, these email campaigns are also a great opportunity to increase brand awareness.

The complexity of email building

At first glance, building emails might not seem challenging, but it’s notoriously difficult. While web design has evolved significantly over the years, email design has lagged behind, making it more structurally archaic and unpredictable. Most marketing emails you receive are constructed using HTML tables– similar to how Excel sheets are structured. Yeah, Excel sheets. The high variability in how emails are rendered across different email clients means that optimization, failsafes, and awareness of edge cases are even more important than with more general UI/UX design.

Horizontally scroll in the Instagram window to see the full set of slides.

Social media

For social media posts, the focus is on creating valuable content. As a B2C company, it's crucial for Fizz to stand out in the crowded social media landscape. We achieve this by delivering informative posts wrapped in eye-catching designs. This post, for instance, uses Fizz's signature yellow as a full background color, which isn't common. The goal is to grab your attention immediately. When the objective is to make the content hard to ignore, sometimes you have to bend the rules a little bit.

Fizz Premium

A recent addition to the friendly Fizz family of products, Fizz Premium aims to give users even more: more insights, more savings, more cash back—just more in general. Fizz is great, but Fizz Premium is greater. We developed an offshoot of the base brand to communicate this added value.

Objectives

Fizz Premium was conceptualized to provide additional value to Fizz's user base and incentivize monetization through a subscription-based model. My main task was to create a variant of the existing visual identity that reflects the enhanced functionality and exclusivity of Fizz Premium.

Strategy

The Fizz design team conducted research to identify words and phrases commonly associated with premium versions of products. Unsurprisingly, "premium" emerged as the most effective term, leading us to adopt "Fizz Premium" as the product's name. Beyond the usual challenge of balancing a youthful target group with a mature topic, we also needed to achieve a look and feel that communicates subtle sophistication.

Creating the Fizz Premium brand required a delicate balance: it had to be distinct enough from the regular Fizz product to convey its enhanced value, yet still recognizable as part of the same family. If Fizz is for students who want to get serious about their finances; Fizz Premium is for those who want to get very serious.

A side-by-side comparison of Fizz and Fizz Premium
The Premium branding adds a sleek veneer to the base brand, which young adults may perceive as more serious.

Design

Color

The primary brand color for 'base' Fizz is bright yellow, so our initial thought for a premium variant was to use gold. However, experimenting revealed that gold felt too similar to the base brand, and we needed more contrast. And what usually surpasses gold? Exactly: platinum!

Illustration of a phone featuring the Fizz Premium paywall, along with some branded artwork
If you turn a circle inside out, you get a sparkle—it's not rocket science.

Logo

Developing the Fizz Premium logo involved experimenting with various approaches. Naturally, I first tried the most straightforward solution: simply adding the word 'Premium' behind the logoface. Unfortunately, this proved to not be the right solution due to the significant difference in width between the two logo variants.

Instead, I focused on modifying the existing logo. I wondered if there was anything within it that I could tweak to achieve the desired result. Turns out there was! A brand designer’s favorite glyph: the lowercase letter "i." The dot of an "i" can quite literally be anything– I inverted the curves of the dot, made some minor adjustments, and the Premium Sparkle was born. This became the main signifier of anything Premium throughout customer-facing communication.

Illustration of a phone featuring the Fizz Premium paywall, along with some branded artwork

Brand utilization

Converting existing users

The branding for Fizz Premium is primarily intended to convert the existing user base. You'll find Premium-branded assets integrated into Fizz's customer-facing communication when appropriate, but the primary focus remains on the base Fizz brand.

Reception

Although Fizz Premium is a relatively new product, initial feedback as of this case study has been positive. Conversion rates are reportedly high, and stakeholders are pleased with the new brand offshoot.

Results so far

My collaboration with Fizz has been highly rewarding. They have been very enthusiastic about my work, and I share that enthusiasm for their brand and vision. Our partnership is built on mutual respect and a shared commitment to innovative design, creating a productive and enjoyable working relationship.

In conclusion

Patrons of the arts

Fizz is a company that truly understands the value of good design and is willing to invest the necessary resources to achieve it. As it's not typically an exciting topic for this demographic, marketing finances to students and young adults is challenging. The most impactful contribution I can make for Fizz is to provide work that supports their vision and captures the attention of their target group.

A shout-out to the team

My ongoing collaboration with Fizz's talented team has been very rewarding. Working with the Fizz Fam has been a pleasure, and I look forward to continuing this partnership. Their openness to innovative ideas and respect for the creative process make Fizz a standout client. I’m committed to contributing to their success for the foreseeable future. Thank you, team Fizz, for your continued trust and support!

“Yoel is an intuitive design professional who can easily place himself into user personas to design not only beautifully creative, but compelling and narratively appropriate copy. Yoel is extremely organized and communicative, and adept at developing conceptually relevant but distinctive brand direction ideas.”
– Scott Smith, Co-founder of Fizz

Sources & credits

Sources

  1. Marketing to Gen Z vs. Millennials [https://mailchimp.com/resources/marketing-to-gen-z-vs-millennials/]
  2. Attitude-Behavior Gap Report [https://corporate.zalando.com/en/our-impact/sustainability/sustainability-reports/attitude-behavior-gap-report]
  3. Communicating with Generation Z: Everything You Need to Know [https://www.keg.com/news/communicating-with-generation-z-everything-you-need-to-know]
  4. I feel like everyone and everything is trying to sell me something [https://www.reddit.com/r/personalfinance/comments/sqifke/i_feel_like_everyone_and_everything_is_trying_to/]
  5. The Average Life Span of Viral Web Content [https://www.socialmediatoday.com/content/average-life-span-viral-web-content]
  6. Ready or Not: Immature But Headed to College [https://psychcentral.com/lib/ready-or-not-immature-but-headed-to-college]
  7. What young adults wish they knew about money sooner [https://www.bankrate.com/credit-cards/advice/what-young-adults-wish-they-knew-about-money-sooner/]
  8. Political Issues Students Care About [https://www.bestcolleges.com/blog/political-issues-students-care-about-2020/]

Credits

  • Original Fizz branding: Metacarbon
  • Fizz design team: Natasha Jahchan (Head of design), Kat Machin (UI/UX), Yoel Martherus (Visual)
  • Artwork: Yoel Martherus
  • Brand continuation: Yoel Martherus

In writing this case study, some details have been omitted out of due diligence to the  proprietary nature of this client's business. The information shared on this page has been made available with their explicit permission.

Piqued your interest? Let's talk!

Book a slot in my calendar and we’ll be in touch in a jiffy. How exciting!