Project overview


Remote workers, digital professionals, international students and other users often encounter challenges when it comes to managing finances in other countries, such as difficulties in opening bank accounts due to residency requirements and time-consuming application processes. This can limit their ability to work and conduct business abroad.

The Product

Quivpay Is a digital platform That Offers its users easy access to register and generate a bank account in other countries from their mobile devices.

Project duration

March 2022 (4 weeks)

Project goal

Design Quiv pay's Mobile app to be user friendly providing clear navigation and ensure users get a bank acount and upgrade their account seamlessly

My role

Sole UX designer designing the app from concept to delivery


Visual design
User research
Recruiting users & conducting interviews & usability studies
Wireframing (paper and digital )
Prototyping (low and high-fidelity)
accounting for accessibility
iterating on designs

Design Process

I followed this process to ensure my design decisions were solely focused on user needs and user feedback.

Empathize / Understand phase

User Research:

I conducted user research to gain insights into the needs, goals, and pain points of remote workers and digital professionals and international students who work and study across different countries and currencies. The research was conducted through user interviews and online surveys.


I recruited a total of 20 participants, including remote workers, digital professionals and international students who work and study across different countries and currencies. The participants were aged between 25 and 45 years old, and had at least 1 year of experience working remotely or as a digital professional.

Research questions:

(1.) Can you tell me about your experience as a remote worker/digital professional/international student working in different countries?
(2.) What are the main challenges you face when it comes to managing your work/studies across different countries and currencies?
(3.) How do you currently handle financial transactions, currency exchange, and money transfers while working/studying abroad?
(4.) Can you share any specific frustrations or difficulties you encounter when accessing financial services or setting up bank accounts in different countries?
(5.) What are your goals and aspirations as a remote worker/digital professional/international student, and how do they relate to managing your finances?
(6.) Have you ever encountered any risks or concerns when managing your finances or conducting cross-border transactions? If so, could you elaborate?
(7.) How do you typically seek information or resources related to managing your finances and navigating international banking systems?
(8.) Can you describe any previous experiences or interactions with digital platforms that offer solutions for registering and generating bank accounts in other countries?
(9.) What features and functionalities do you consider most important or desirable in a digital platform that facilitates cross-border financial management?
(10.) If you could design an ideal user experience for managing your finances and conducting cross-border transactions, what would it look like?


(1.) Pain Points: Participants identified several pain points related to managing finances across different countries, including high fees associated with international wire transfers and currency conversions, compliance with local regulations and tax laws, and difficulty accessing the funds they need to cover their living expenses and bills.
(2.) Needs: Participants expressed a need for a digital platform that provides easy access to register and generate a bank account in other countries, access to competitive exchange rates and low transaction fees, and compliance with local regulations and tax laws.
(3.) Behavior: Participants indicated that they use a variety of tools and services to manage their finances across different countries, including online banking services, payment platforms, and money transfer services. However, they expressed frustration with the complexity and high costs associated with these services.
(4.) Preferences: Participants expressed a preference for a mobile app that is easy to use, provides access to real-time information about their finances, and allows them to manage their finances across different currencies and countries in a seamless and efficient way.

Empathy Map:

I focused on understanding the thoughts, feelings, and needs of remote workers, digital professionals, and international students, i created an empathy map to provide valuable insights for designing our platform to cater to their unique requirements.

Secondary research on landscape
Current Landscape:

The current landscape of digital platforms for remote workers and digital professionals is evolving rapidly. Key aspects of the current landscape include:
(1.) Increased Remote Work: The global shift towards remote work has created a growing market of remote workers and digital professionals who require flexible and efficient financial management solutions.
(2.) Existing Banking Services: Traditional banking institutions offer international banking services but often come with high fees, complex processes, and limited digital capabilities, creating room for disruption and innovation.
(3.) FinTech Solutions: FinTech companies have emerged with digital platforms that provide financial services tailored to the needs of remote workers, offering features such as multi-currency accounts, low transaction fees, and streamlined cross-border transfers.
(4.) Mobile-first Approach: With the widespread use of mobile devices, there is a rising demand for mobile-first solutions that allow users to manage their finances on the go.


Based on the current landscape, we make the following assumptions about the digital platform for remote workers and digital professionals:
Assumption 1: Remote workers and digital professionals prefer a user-friendly and intuitive platform that simplifies their financial management across different countries.
Assumption 2: Users value competitive exchange rates, low transaction fees, and transparency in their international financial transactions.
Assumption 3: Compliance with local regulations and tax laws is a crucial factor for users when choosing a digital platform.
Assumption 4: Mobile accessibility and seamless integration with existing financial tools and platforms are key requirements for users.
Assumption 5: Users are open to adopting innovative FinTech solutions that offer convenience and cost savings over traditional banking services.

Competition analysis:

I Reviewed Several direct and indirect competitors To understand the gaps and opportunities existing in the market and see what user goals the competitiors are reaching or not reaching.

Define phase

Creating personas
Persona: John the digital nomad

Problem statement: John finds it challenging to manage his finances across different countries, as he spends a significant amount of time and money opening new bank accounts in each new location, and experiences high fees associated with international transactions.

Persona: Sarah - The international student

Problem statement: Sarah struggles to manage her finances as an international student studying abroad, as she faces high fees associated with international wire transfers and currency conversions, and has difficulty accessing the funds she needs to cover her living expenses and tuition fees. She needs a more efficient and cost-effective way to manage her finances while studying abroad.

Persona: Maria - the remote employee

Problem statement: Maria faces difficulties in managing her finances across different countries due to high fees associated with international wire transfers and currency conversions, and a lack of transparency and control over her transactions. She is in need of a more efficient and cost-effective solution to manage her business finances globally.

Crafting User stories & Epics

I created user stories and epics to deepen my understanding of the needs of our personas and user groups to be sure we are addressing and solving key problems our users might face when engaging with the product.

User journey map

I created a user journey map to focus on the series of experiences our users are currently experiencing and to understand their feelings and improvement opportunities.

Research Overview & Unique Value proposition

I created design canvas to provide a consice overview of the research's key elements, to focus on user needs and business alignment and also show the uniqe value propositions to users.

Ideate phase

User flow

Focusing on anticipating our user needs when they are interacting with the product. I used the userflow to guide my direction on a typical path a user will take when interacting with our product from start to finish.
Here i am focusing on the user stories and epics earlier created for account management and registration for persona john the digital nomad.

Story boards
Persona: John the digital nomad

Big picture Scenario: an app that allows users to generate a bank account in another country

Persona: John the digital nomad

Close up Scenario: an app that allows users to generate a bank account in another country


I focused on the information architecure to begin to organize the overall structure for the mobile app and provide an high-level view of the product.

Paper Wireframe

Took some time to ideate different variations of how the home screen will look like on paper focusing on the information architecture, I ensured that i proritized the location of important elements for ease of navigation for our users. I also focused on engaging stakeholders for early feedback on my thought process to be sure we are addressing user painpoints.

Digital wireframes

I started to craft and transfer the different screen variations of the paper wireframes on our collaboration tool for easy sharing, visualization with stakeholders for critic and to prototype for early testing and iteration.

Low fidelity prototype

Focusing on the user flow anticipating the user's needs and their typical interaction with the product, I began to create a low fidelity protoype for account registeration and foreign bank account generation to share with co-designers, stakeholders and users for early feedback and iteration.

Test Quivpay's low fidelity prototype on figma

Usability study: low-fidelity prototype

Research plan

Afinity diagram

I used an afinity diagram to sort the observations of participants from the usability study. I found common themes and got actionable insights from the themes to improve the design process.


Insights for iteration based on the observation of the participants during the unmoderated usability study.

Design phase

Mockups - Trendy look and feel

Based on the early tests from the ideation phase and insights from users on the need for a more vibrant and trendy design. I iterated the landing page design to deliver a colourful and vibrant first impression after opening the app and communicating a user centred value proposition.

Mockups - Improved Onboarding

Based on the insights from users on the need to focus on more contextual guidance in the onboarding journey, I iterated the designs and focused on a more engaging and interactive approach, first breaking the sign up page to new screens, explaining why we need the user to provide each feedback in the onboarding journey and including a pop up for outstanding items on the dashboard for clear guidance.

Mockups - Security

Based on the insights from users on the need to improve the security of the app, we included an optional new security feature in the onboading journey to protect their account from unauthorized access.

Improved Button clarity

Based on the insights from users on some challenges understanding what some buttons would do, I focused on improving the iconography acoss the the app and also adding tooltips where necessary for ease of use of all shortcuts and call to actions.

High-fidelity Prototype

The high fidelity prototype presented cleaner user flows for onboarding, verifying account information and generating a foreign bank account on the app

Test the Quiv pay app's high fidelity prototype on figma

Onboarding on the app

Application navigation

Verifying account on the app

Generating a foreign bank account on the app

Reviewing new bank information

Logout and easy sign in

Accessibility considerations

Provided sufficient contrast between foreground and background.


Ensured that texts and interactive elements are legible and easy to identify.


Ensured color and visial cues like icons, labels and patterns to ensure users can identify content and functionality.


Provided accessible forms with clear labels and instructions for onboarding .


Used headings and spacing to group the related content together.

Going forward

Key Takeaways
What I learned

(1.) Focus solely on the users needs and painpoints: The Most Important Takeaway For Me Is To Always Focus On The Real Needs Of The User When Coming Up With Design Ideas And Solutions

(2.) Take the time to research: more questions about user's current behaviour and understanding their needs will be more beneficial in implementing a better design solution.

(3.)I Learned That Even A Small Design Change Can Have A Huge Impact On The User Experience.


(1.) One quote from our target user: โ€œThe app was simple, intuitive and easy to navigate! I would definitely use this app if it becomes available on the google play storeโ€

(2.) The stakeholders shared that feedback from their initial test shows the app makes users feel like Quivpay really thinks about how to meet their needs.

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© Akin Adeleke 2022|Designer