Ri Money Deep Dive
Fintech bank enabling clients to make international transfers, order travel cash online and spend using a branded debit card
Ri Money Deep Dive
Fintech bank enabling clients to make international transfers, order travel cash online and spend using a branded debit card
Client
Finatext Japan
Timeline
1 Year
Services
App Design, Consultancy & Design System
Modern, Simple, Transparent, Secure & Trusted Digital Bank
Modern, Simple, Transparent, Secure & Trusted Digital Fintech Bank
Modern, Simple, Transparent, Secure & Trusted Digital Bank
A modern solution designed to simplify and streamline cross-border transfers and travel cash orders, eliminating the delays, hidden fees, and inefficiencies of traditional banking.
The goal was to make travel and the financial side of it effortless for users, enabling swift international payments with low fees, seamless spending abroad at the best exchange rates, and uncompromising security.
A modern solution designed to simplify and streamline cross-border transfers and travel cash orders, eliminating the delays, hidden fees, and inefficiencies of traditional banking.
The goal was to make travel and its financial aspects effortless for users, enabling swift international payments with low fees, seamless spending abroad at the best exchange rates, and uncompromising security.
PROBLEM
Traditional banking often means slow transactions, high fees, regulatory hurdles, poor support, and clunky interfaces.
PROBLEM
Traditional banking often means slow transactions, high fees, regulatory hurdles, poor support, and clunky interfaces.
PROBLEM
Traditional banking often means slow transactions, high fees, regulatory hurdles, poor support, and clunky interfaces.
PROBLEM
Traditional banking often means slow transactions, high fees, regulatory hurdles, poor support, and clunky interfaces.
PROBLEM
Traditional banking often means slow transactions, high fees, regulatory hurdles, poor support, and clunky interfaces.
SOLUTION
A secure platform for fast, low-fee international payments and top exchange rates, making travel finances effortless.
SOLUTION
A secure platform for fast, low-fee international payments and top exchange rates, making travel finances effortless.
SOLUTION
A secure platform for fast, low-fee international payments and top exchange rates, making travel finances effortless.
SOLUTION
A secure platform for fast, low-fee international payments and top exchange rates, making travel finances effortless.
SOLUTION
A secure platform for fast, low-fee international payments and top exchange rates, making travel finances effortless.
RESULT
The result is a responsive web platform, native mobile app, and currency card that enable seamless payments for users.
PROBLEM
Traditional banking often means slow transactions, high fees, regulatory hurdles, poor support, and clunky interfaces.
RESULT
The result web platform, native mobile app, and currency card that enable seamless payments for users.
RESULT
The result is a responsive web platform, native mobile app, and currency card that enable seamless payments for users.
RESULT
The result is a responsive web platform, native mobile app, and currency card that enable seamless payments for users.
Process followed to deliver the platform end-to-end as a fully functional, user-ready product.
Process followed to deliver the platform end-to-end as a fully functional, user-ready product.
RESEARCH
User interviews, competitive analysis, heuristic audit
User interviews, competitive analysis, heuristic audit
DISCOVERY
Work map out process flows, understand needs, third party integration
Work map out process flows, understand needs, third party integration
DESIGN & PROTOTYPING
Designs using consistent design system, high-fidelity prototypes
Designs using consistent design system, high-fidelity prototypes
TESTING, DEVELOPMENT
Development, refinement, testing
Development, refinement, testing
Research
Research
Before working on Pipster, I captured the business objectives and conducted multiple research methods to gain a deep understanding of the users I was designing the product for.
Customer Interviews
Persona
Market Analysis
Quantitative Surveys
User Journeys
Competitive Analysis
Below is a copy of the survey results deck which shows the key insights gathered from hundreds of customers
Research - survey results
Research - survey results
The data collected reveals key insights into how users manage their money before traveling. It highlights their preferences for handling foreign currency, as well as the pain points they experience when engaging with exchanges and ordering travel cash. This information is crucial for understanding their needs and improving the travel money experience.
Understanding the customers
Understanding the customers
I targeted Gen X, who prefer ordering cash at home and plan trips to snag better rates. I mapped their journey to capture key emotions, especially around security when ordering.
How to get users to go through and order
How to get users to go through and order
Understanding the initial steps Gen X users take to order travel cash was key. The goal was to identify how to simplify the process, allowing users to skip steps and order directly.
Organising the information & prioritising whats key
Organising the information & prioritising whats key
I ran workshops with card sorting exercises to map how users prefer to order travel cash to their home. I also collaborated with the business to prioritize high-value features while balancing the development effort required.
Mapping the experience
Mapping the experience
Mapping KYC, onboarding, and payment flows was key, involving legal and business to capture crucial info and define edge cases, not just the happy path.
Wireframing the order flow
Wireframing the order flow
The order flow was critical to the product's success. It’s where users order travel cash, and I designed it based on key user requirements to ensure a smooth process.
Wireframing depositing to the dashboard
Wireframing depositing to the dashboard
Onboarding users and allowing them to deposit cash was key. They could choose to use it for travel cash or a debit card for spending on the go.
Creating A Consistent Style guide
Creating A Consistent Style guide
Using the atomic 8pt system, I created a style guide that aligns with the brand book, supporting the interface's visual design.
Creating A Consistent Style guide
Using the atomic 8pt system, I created a style guide that aligns with the brand book, supporting the interface's visual design.
Wireframing depositing to the dashboard
Onboarding users and allowing them to deposit cash was key. They could choose to use it for travel cash or a debit card for spending on the go.
Mobile Responsive/Native Application Mix
I built a hybrid native and responsive mobile app, offering the same capabilities as the web version, however this was useful for those travelling that dont always have access to a desktop computer
Wireframing the order flow
The order flow was critical to the product's success. It’s where users order travel cash, and I designed it based on key user requirements to ensure a smooth process.
Mapping the experience
Mapping KYC, onboarding, and payment flows was key, involving legal and business to capture crucial info and define edge cases, not just the happy path.
Organising the information & prioritising whats key
I ran workshops with card sorting exercises to map how users prefer to order travel cash to their home. I also collaborated with the business to prioritize high-value features while balancing the development effort required.
Manage beneficiaries
You could manage and remove beneficiary information at any point.
How to get users to go through and order
Understanding the initial steps Gen X users take to order travel cash was key. The goal was to identify how to simplify the process, allowing users to skip steps and order directly.
Understanding the customers
I targeted Gen X, who prefer ordering cash at home and plan trips to snag better rates. I mapped their journey to capture key emotions, especially around security when ordering.
Research - survey results
The data collected reveals key insights into how users manage their money before traveling. It highlights their preferences for handling foreign currency, as well as the pain points they experience when engaging with exchanges and ordering travel cash. This information is crucial for understanding their needs and improving the travel money experience.
Dashboard Design
Dashboard design
Dashboard Design
Below is the main dashboard that I designed as your central hub for all payments. Whether sending international transfers or spending on the debit card, you can easily view and manage multiple currencies in one place once populated.
Brochure Site
Brochure site
Brochure Site
The marketing site allowed users to create an account and dive straight in, with onboarding only starting when they began ordering cash or transferring money. Emphasizing security and safety was crucial, as research showed these were top concerns for users, so was important the front facing site highlighted this.
Brochure Site
Brochure Site
The marketing site allowed users to create an account and dive straight in, with onboarding only starting when they began ordering cash or transferring money. Emphasizing security and safety was crucial, as research showed these were top concerns for users, so was important the front facing site highlighted this.
Ability to Make International Transfers
Ability to Make International Transfers
You can make international transfers and send funds in any foreign currency. Below is an example of what users will see when they initiate their first transfer.
Research
Before working on Pipster, I captured the business objectives and conducted multiple research methods to gain a deep understanding of the users I was designing the product for.
Customer Interviews
Persona
Market Analysis
Quantitative Surveys
User Journeys
Competitive Analysis
Below is a copy of the survey results deck which shows the key insights gathered from hundreds of customers
Process followed to deliver the platform end-to-end as a fully functional, user-ready product.
RESEARCH
User interviews, competitive analysis, heuristic audit
DISCOVERY
Work map out process flows, understand needs, third party integration
DESIGN & PROTOTYPING
Designs using consistent design system, high-fidelity prototypes
TESTING, DEVELOPMENT
Development, refinement, testing
Ability to Order Travel Cash
Ability to Order Travel Cash
You could also order travel cash delivered to your door get physical currency at top rates, with the option to choose a delivery date that suits your plans.
Welcome To Service
Welcome To Service
Below is the signup screen design. At this stage, only minimal information is requested until you initiate a transfer or order travel cash, as shown in the visuals above.
Manage Beneficiaries
Manage Beneficiaries
You could manage and remove beneficiary information at any point.
Welcome To Service
Welcome To Service
Below is the signup screen design. At this stage, only minimal information is requested until you initiate a transfer or order travel cash, as shown in the visuals above.
Outcome
Outcome
Designed the full scale web responsive app & native app solution, fully function debit card which reflects transactions in the platform (Due to NDA can't share further details)
Designed the full scale web responsive app & native app solution, fully function debit card which reflects transactions in the platform (Due to NDA can't share further details)
Trustpilot Score 4.8, 20k Reviews (Due to NDA can't share further details)
Trustpilot Score 4.8, 20k Reviews (Due to NDA can't share further details)
App Store Score 4.6, 800 Reviews (Due to NDA can't share further details)
App Store Score 4.6, 800 Reviews (Due to NDA can't share further details)
Process followed to deliver the platform end-to-end as a fully functional, user-ready product.
RESEARCH
User interviews, competitive analysis, heuristic audit
DISCOVERY
Work map out process flows, understand needs, third party integration
DESIGN & PROTOTYPING
Designs using consistent design system, high-fidelity prototypes
TESTING, DEVELOPMENT
Development, refinement, testing
Related Case Studies
Related Case Studies
rimoney