Designing the core payment flows for a new mobile banking app
Type — UX & UI Design
Company — Mobiquity
Role — Senior Product Designer
Year — 2021
New Platform
At Mobiquity in Amsterdam, I worked on a new mobile banking app for Kuwait International Bank. The product was designed from the ground up, with the ambition to create a modern banking experience for everyday financial tasks.
My focus was the payment ecosystem: transfers, payment requests, credit cards, international payments, and the shared interaction patterns behind them.
My Role
I joined as one of the first designers on the project and helped establish the foundations for a growing product and design team.
As the team expanded, I became Design Lead for the Payments Squad. I was responsible for designing and guiding the core payment flows, aligning with product and engineering, and helping maintain consistency across the app.
Core Challenge
Banking systems are complex. They contain different transfer types, business rules, compliance requirements, currencies, fees, limits, and approval states.
But users usually start from a much simpler intention:
“I want to send money.”
“I want to request money.”
“I want to apply for a card.”
“I want to know this is safe before I confirm.”
“I want to request money.”
“I want to apply for a card.”
“I want to know this is safe before I confirm.”
The challenge was to translate internal banking logic into mobile flows that felt clear, trustworthy, and predictable.
Transfer Model
A key design move was simplifying how transfers worked.
Instead of treating domestic, international, internal, and own-account transfers as separate experiences, I helped shape one reusable transfer model. Users start with what they naturally know: the recipient, the amount, and the account they want to use.
From there, the system adapts. It reveals the right fields, rules, fees, exchange rates, and confirmation steps only when needed.
This created a more coherent way to move money, while still supporting the complexity behind the scenes.
Transfer UI
Account selection
Form completed
Review
Processing
Success
Key Flows
The interaction model became the foundation for several core payment journeys.
Domestic Payments
Domestic payments formed the baseline. The flow guided users through account selection, amount, recipient, review, confirmation, and feedback. It established the pattern users would learn once and reuse across other payment types.
Payment Requests
Payment requests offered a lighter, more social way to move money. Users could set an amount, add context, and share a request through familiar messaging channels, without feeling like they were entering a complex banking process.
Credit Cards
Credit-card application and management required a more deliberate flow. I designed the journey to guide users from card exploration to submission, with clear choices, editable review steps, and confirmation moments that helped users stay in control.
International Transfers
International transfers introduced extra complexity: countries, currencies, exchange rates, fees, and compliance fields. Instead of creating a separate mental model, the same transfer foundation was extended. The experience became more detailed only when the situation required it.
Payment request UI
Description
Created + Share
Share modal
Share as message
Scalable Foundation
The result was a clearer and more scalable payment foundation for the new banking app.
Rather than designing separate flows for every banking product, we created reusable patterns that could support different financial actions while keeping the experience familiar. This helped the app grow consistently across teams, features, and future payment scenarios.
Recipient country
Amount & conversion (India flow)
IBAN discrepancy
Case: USA
Case: India
