Earn Rewards: Sign up now and earn a special reward after your first deposit. See offer details

Now available: New and improved Socially Responsible Investing portfolios. Learn more

<title>Dismiss</title>

Betterment

Save, invest, retire

GET — On the App Store

View
<title>Dismiss</title>
Loading

Using Targeted Universalism To Build Inclusive Features

The best products are inclusive at every stage of the design and engineering process. Here's how we turned a request for more inclusion into a feature all Betterment customers can benefit from.

Articles by Jess Harrelson
By Jess Harrelson Lead Software Engineer, Betterment Published Nov. 10, 2020
Published Nov. 10, 2020
4 min read

Earlier this year, a coworker asked me how difficult it would be to add a preferred name option into our product. They showed me how we were getting quite a few requests from trans customers to quit deadnaming them.

The simplest questions tend to be the hardest to answer. For me, simple questions bring to mind this interesting concept called The Illusion Of Explanatory Depth, which is when “people feel they understand complex phenomena with far greater precision, coherence, and depth than they really do.” Simple questions tend to shed light on subjects shrouded in this illusion and force you to confront your lack of knowledge.

Asking for someone’s name is simple, but full of assumptions.

Deadnaming is when, intentionally or not, you refer to a trans person by the name they used before transitioning. For many trans folks like myself, this is the name assigned at birth which means all legal and government issued IDs and documents use this non-affirming name.

According to Healthline, because legal name changes are “expensive, inaccessible, and not completely effective at eliminating deadnaming”, institutions like Betterment can and should make changes to support our trans customers.

This simple question from our trans customers “Can you quit deadnaming me?” was a sign that our original understanding of our customers’ names was not quite right, and we were lacking knowledge around how names are commonly used.

Now, our work involved dispelling our previous understanding of what a name is.

How to turn simple questions into solutions.

At Betterment, we’re required by the government to have a record of a customer’s legal first name, but that shouldn’t prevent us from letting customers share their preferred or chosen first name, and then using that name in the appropriate places.

This was a wonderful opportunity to practice targeted universalism: a concept that explains how building features specifically for a marginalized audience not only benefit the people in that marginalized group, but also people outside of it, which increases its broad impact.

From a design standpoint, executing a preferred name feature was pretty straightforward—we needed to provide a user with a way to share their preferred name with us, and then start using it. The lead designer for this project, Crys, did a lovely job of incorporating compassionate design into how we show the user which legal name we have on file for them, without confronting that user with their deadname every time they go to change their settings.

They accomplished that by hiding the user’s legal name in a dropdown accordion that is toggled closed by default. Crys also built out a delightful flow that shows the user why we require their legal name, that answers a few common questions, and allows them to edit their preferred first name in the future if needed.

With a solid plan for gathering user input, we pivoted to the bigger question:

Where should we use a customer’s preferred first name?

From an engineering standpoint, this question revealed a few hurdles that we needed to clear up.

First, I needed to provide a translation of my own understanding of legal first names and preferred first names to our codebase. The first step in this translation was to deprecate our not-very-descriptively named #first_name method and push engineers to start using two new, descriptive methods called #legal_first_name and #common_first_name (#common_first_name is essentially a defaulting method that falls back to #legal_first_name if #preferred_first_name is not present for that user).

To do this, I used a tool built by our own Betterment engineer, Nathan, called Uncruft, which not only gave engineers a warning whenever they tried to use the old #first_name method but also created a list of all the places in our code where we were currently using that old method.

This was essentially a map for us engineers to be able to reference and go update those old usages in our codebase whenever we wanted.

This new map leads us to our second task: addressing those deprecated usages. At first glance the places where we used #first_name in-app seemed minimal—emails, in-app greetings, tax documents. But once we looked under the surface, #first_name was sprinkled nearly everywhere in our codebase. I identified the most visible spots where we address a user and changed them, but for less visible changes I took this new map and delegated cross-squad ownership of each usage.

Then, a group of engineers from each squad began tackling each deprecation one by one. In order to help these engineers, we provided guidelines around where it was necessary to use a legal first name, but in general we pushed to use a customer’s preferred first name wherever possible.

From a high level view I essentially split this large engineering lift into two different streams of work. There was the feature work stream which involved:

  1. Storing the user’s new name information.
  2. Building out the user interface.
  3. Updating the most visible spots in our application.
  4. Modifying our integration with SimonData in order to bulk update our outgoing emails, and
  5. Changing how we share a user’s name with our customer service (CX) team through a Zendesk integration, as well as in our internal CX application.

Then there was the foundational work stream, which involved mapping out and addressing every single depreciation. Thanks to Uncruft, once I generated that initial map of deprecations the large foundational work stream could then be further split into smaller brooks of work that could be tackled by different squads at different times.

Enabling preferred first names moves us towards a more inclusive product.

Once this feature went live, it was extremely rewarding to see our targeted universalism approach reveal its benefits. Our trans customers got the solution they needed, which makes this work crucial for that fact alone—but because of that, our cis customers also received a feature that delighted them.

Ultimately, we now know that if people are given a tool to personalize their experience within our product, folks of many different backgrounds will use it.

Invest for your future

This article is part of Engineering at Betterment.

These articles are maintained by Betterment Holdings Inc. and they are not associated with Betterment, LLC or MTG, LLC. The content on this article is for informational and educational purposes only. © 2017–2020 Betterment Holdings Inc.

Recommended Content

View All Resources

Leaving Big Finance

I'm sharing my experiences as an engineer in transitioning from large companies in finance to a smaller late-stage startup, because I know how much I would have benefited from this information while making my own decision.

What’s Inside the Betterment Portfolio Strategy?

Explore the asset classes in Betterment's recommended set of portfolios. Then, take a look at the exchange-traded funds (ETFs) underlying each part of the portfolio strategy.

Health Savings Accounts: The Sharpest Tax Tool In The Shed?

As an investor, you may be thinking about funding an HSA but are unsure about whether it is a useful financial planning tool. Here are six different scenarios for how an HSA can work for you.

How would you like to get started?

Manage spending with Checking

Checking with a Visa® debit card for your daily spending.

Save cash and earn interest

Grow your cash savings for general use for upcoming expenses.

Invest for a long-term goal

Build wealth or plan for your next big purchase.

Invest for retirement

Set up traditional, Roth, or SEP IRAs to save for the golden years.

See details and disclosure for Betterment's articles and FAQs.