[ *** Finance ]

Overview

A finance super app for small businesses, under NDA. One app holds five money products: pay later for stock, business financing, savings, investing and a wallet.

The problem

Small shop owners need cash flow, not jargon. Buying stock now and paying later, getting a credit line or parking spare cash all sound simple, but the products come with regulations, verification steps and long terms. The app had to stay clear and honest while doing all of that.

My role & team

Product designer on the mobile app.

Process

• Designed each product as its own section with a core flow and the secondary flows around it
• Reused one wallet as the hub, so every product moves money in and out of the same place
• Wrote the microcopy alongside the screens, especially fees, due dates and disclosures

Key decisions

Say the scary parts out loud

No interest, no hidden fees, the exact amount and date of every settlement, and what a missed payment costs. Right on the screen, not hidden in the terms.

Verify once, use everything

Business verification lives in one flow. Once it’s done, the user is told they’re pre-qualified and what their limit could be.

Celebrate a little

“Nice one! Your first payment is confirmed. Sit tight, we’re completing the process.” Money apps are allowed to be warm.

Screen by screen

Pay later checkout

Choose pay later at checkout, log in with a one-time code, read short terms, and confirm. A success screen explains that payments will be taken automatically.

Settlement overview

Total purchase, the settlement period, the next payment date, and every installment laid out in a row.

Financing

Onboarding that explains the options in plain words, a data sharing consent screen that lists exactly what gets checked, and a homepage with the total credit limit and next payment.

Savings

Park money in a fund with daily returns, top up or withdraw from the wallet, and see daily earnings in the history.

Investing

Explore managed funds, invest once or set up a recurring investment, and track portfolio value and daily gains.

Wallet

Balance, top ups, transfers with no hidden fees, transaction history, and a home that points to the other products.