Designing Multi Currency Fintech Wallet for Instant P2P Transfers & Bill Splitting : Making global money movement easy
Designing Multi Currency Fintech Wallet for Instant P2P Transfers & Bill Splitting : Making global money movement easy
Designing Multi Currency Fintech Wallet for Instant P2P Transfers & Bill Splitting : Making global money movement easy
Fintech, P2P Payments, Bill Splitting
Fintech, P2P Payments, Bill Splitting
Role
Product Designer
Scope
Research and Strategy, Product Design
Timeline
July 2021 - Dec 2022
Client
Fintech Wallet App. UAE
Designing a fintech wallet emphasizing group bill splitting alongside instant P2P transfers and spending insights across multiple currencies.
Designing a fintech wallet emphasizing group bill splitting alongside instant P2P transfers and spending insights across multiple currencies.
01. The Problem
Bill Splitting Chaos Across Currencies
Bill Splitting Chaos Across Currencies
Group bill splitting required manual calculations, screenshots, and IOUs across WhatsApp and banking apps, while multi‑currency wallets lacked unified balances, instant QR payments, and spending insights
Group bill splitting required manual calculations, screenshots, and IOUs across WhatsApp and banking apps, while multi‑currency wallets lacked unified balances, instant QR payments, and spending insights
02. App Home & Accounts
Money Status First
Money Status First
Home screen with greeting + total balance + quick card access + recent payees for instant action and context. Live balances across different currencies with balances in Accounts page to manage global money from one screen.
Home screen with greeting + total balance + quick card access + recent payees for instant action and context. Live balances across different currencies with balances in Accounts page to manage global money from one screen.
03. Split Bills
One Flow, Two Modes
One Flow, Two Modes
Enter bill details -> Add people/Add to already created group -> Choose split method (Equal/Custom)
Enter bill details -> Add people/Add to already created group -> Choose split method (Equal/Custom)
04. Split Bills Equally
Equal Splits – Group Expense Payments Made Simple
Equal Splits – Group Expense Payments Made Simple
Choose Equal Split -> Confirm Auto‑calculated equal shares -> Send request.
Choose Equal Split -> Confirm Auto‑calculated equal shares -> Send request.
05. Split Bills with Custom Amounts
Custom Splits – Unequal Scenarios
Custom Splits – Unequal Scenarios
Choose Custom Split -> Manually set individual amounts -> Confirm Totals -> Send Request.
Choose Custom Split -> Manually set individual amounts -> Confirm Totals -> Send Request.
06. Send/Receive Money
Send/Receive – Frictionless P2P
Send/Receive – Frictionless P2P
Contact picker for sending money + QR code for instant receive + Notes : turning money transfer into a simple 3‑tap flow.
Contact picker for sending money + QR code for instant receive + Notes : turning money transfer into a simple 3‑tap flow.
07. Impact
Global P2P at Speed and Visible Spending Patterns
Global P2P at Speed and Visible Spending Patterns
✔ Daily/monthly/yearly Spending Charts + Category Breakdowns (Shopping, Rent, Health) gives users actionable visibility into habits and budgets.
✔ I streamlined group payments and multi‑currency P2P for daily users, eliminating calculation friction making bill splitting and transfers reliable at scale while delivering spending insights that drive engagement and trust through simple social money sharing
✔ Daily/monthly/yearly Spending Charts + Category Breakdowns (Shopping, Rent, Health) gives users actionable visibility into habits and budgets.
✔ I streamlined group payments and multi‑currency P2P for daily users, eliminating calculation friction making bill splitting and transfers reliable at scale while delivering spending insights that drive engagement and trust through simple social money sharing
