AIT
Revolutionising Global Payments
Revolutionising Global Payments
Industry
Industry
Fintech
Fintech
Service Provided
Service Provided
UX Research & Prototyping
Project Type
Personal Project
PAIT was born from a simple, high-stakes problem: sending money across borders is stressful. With unpredictable delivery times, opaque fees, and overwhelming UX, remittance products often erode the very trust they’re meant to build.
I set out to redesign this flow from the ground up anchored in transparency, emotional reassurance, and clarity.
These are the problems Identified
These are the problems Identified
High transaction fees for cross-border payments
Final costs often differ significantly from initial quotes
High transaction fees for cross-border payments
Final costs often differ significantly from initial quotes
High transaction fees for cross-border payments
Traditional banking systems charge excessive fees that hurt small businesses and individuals
High transaction fees for cross-border payments
Traditional banking systems charge excessive fees that hurt small businesses and individuals
High transaction fees for cross-border payments
Traditional banking systems charge excessive fees that hurt small businesses and individuals
User Psychology Analysis
User Psychology Analysis
Through careful analysis of user discussions, reviews, and existing research, I discovered that the problem went deeper than just high fees, people were afraid of the entire process.
Through careful analysis of user discussions, reviews, and existing research, I discovered that the problem went deeper than just high fees, people were afraid of the entire process.
Research Methods I Used
Research Methods I Used
Research Methods I Used
User Story Analysis
User Story Analysis
Analyzed real user experiences from Reddit, forums, and review sites
Analyzed real user experiences from Reddit, forums, and review sites
Analyzed real user experiences from Reddit, forums, and review sites
Competitive Research
Competitive Research
Mapped user flows and pain points across major payment platforms
Mapped user flows and pain points across major payment platforms
Journey Mapping
Journey Mapping
Created detailed maps of current payment processes and friction points
Created detailed maps of current payment processes and friction points
Created detailed maps of current payment processes and friction points
The Core Insight That Shaped My Design
The Core Insight That Shaped My Design
Through analyzing dozens of user complaints and reviews, I realized that people don't just want cheaper payments; they want to feel in control of their financial decisions. The fear of the unknown was driving users away from digital solutions back to expensive but predictable traditional methods.
Through analyzing dozens of user complaints and reviews, I realized that people don't just want cheaper payments; they want to feel in control of their financial decisions. The fear of the unknown was driving users away from digital solutions back to expensive but predictable traditional methods.
"Predictability and transparency matter more than speed or even cost in financial transactions."
"Predictability and transparency matter more than speed or even cost in financial transactions."
Strategic Design Framework
Strategic Design Framework
I developed a three-pillar design strategy that would address the core psychological and practical barriers I identified.
I developed a three-pillar design strategy that would address the core psychological and practical barriers I identified.
Radical Transparency
Show every fee, every timeline, every step upfront. Eliminate surprises that create user anxiety.
Radical Transparency
Show every fee, every timeline, every step upfront. Eliminate surprises that create user anxiety.
Radical Transparency
Show every fee, every timeline, every step upfront. Eliminate surprises that create user anxiety.
Radical Transparency
Show every fee, every timeline, every step upfront. Eliminate surprises that create user anxiety.
Universal Simplicity
One intuitive interface that works for everyone, regardless of technical expertise or location.
Universal Simplicity
One intuitive interface that works for everyone, regardless of technical expertise or location.
Universal Simplicity
One intuitive interface that works for everyone, regardless of technical expertise or location.
Universal Simplicity
One intuitive interface that works for everyone, regardless of technical expertise or location.
Smart Optimization
Intelligent features that help users make informed decisions without overwhelming them.
Smart Optimization
Intelligent features that help users make informed decisions without overwhelming them.
Smart Optimization
Intelligent features that help users make informed decisions without overwhelming them.
Smart Optimization
Intelligent features that help users make informed decisions without overwhelming them.
"Great fintech design doesn't just move money—it moves anxiety out of financial decisions."
"Great fintech design doesn't just move money—it moves anxiety out of financial decisions."
Key Innovations And Features
Key Innovations And Features
Send Money Globally
Great sending experience that eliminates guesswork and hidden surprises. Users see exactly what they'll pay and when money arrives before committing to any transaction.
Receive Payments
Global Payment Card
Account Management
Send Money Globally
Great sending experience that eliminates guesswork and hidden surprises. Users see exactly what they'll pay and when money arrives before committing to any transaction.
Receive Payments
Global Payment Card
Account Management
Send Money Globally
Great sending experience that eliminates guesswork and hidden surprises. Users see exactly what they'll pay and when money arrives before committing to any transaction.
Receive Payments
Global Payment Card
Account Management
Send Money Globally
Great sending experience that eliminates guesswork and hidden surprises. Users see exactly what they'll pay and when money arrives before committing to any transaction.
Receive Payments
Global Payment Card
Account Management
Design Validation & Prototype Development
Design Validation & Prototype Development
Usability Testing
Usability Testing
Feedback from prototype testing sessions reveals the transformative potential of our design approach
Feedback from prototype testing sessions reveals the transformative potential of our design approach
Maria Dayo
Maria Dayo
“Finally, a payment app that doesn't hide fees until the last second. I can actually budget my international transfers now. The transparency is incredible."
James Okafor
James Okafor
"The interface is so intuitive. I can send money to my family in Nigeria in just 3 clicks, and I know exactly when they'll receive it. Game changer."
Ali Mohammed
Ali Mohammed
"I've been burned by hidden fees before. PAIT shows me everything upfront - no surprises, no anxiety. This is how digital payments should work."
Results & Outcome
Results & Outcome
Results & Outcome
Although this was a personal project, the PAIT prototype:
Although this was a personal project, the PAIT prototype:
Although this was a personal project, the PAIT prototype:
92% of testers said the flow “felt safer” than real-world alternatives
Described as “the first wallet I’d trust to send money for my parents”
Used in interviews to demonstrate fintech and trust-by-design thinking
Ready To Have A Chat?
Ready To Have A Chat?
Ready To Have A Chat?
Contact Me
Contact Me
Next Project
Next Project
SENDSILE
SENDSILE
We crafted a caring space to uplift loved ones with grocery deliveries, bill support, and heartfelt donations, no matter the distance.
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