Architecting a complete P2P neobank platform from concept to launch

Kttipay

The objective was to develop a robust peer-to-peer (P2P) neobanking platform from the ground up. One that integrated the most advanced security features and complied with the all of the regulatory responsibilities in fintech.

In what is a very complex space, I had to design a platform that adhered to all of the above, while also simplifying the experience of shared financial activities for users across Australasia.

Major Design Considerations

  • Project began with an idea and required a validation phase beginning with deep research
  • I led a number of workshops, over a number of weeks to ideate, test and refine the experience
  • Testing, paper prototyping, wireframing and user testing were all used to achieve the end goal
  • Scoping the requirements for the MPV was an important step to determine what and when
  • We've performed due diligence on different service partners to ensure the requirements were met
  • The team build the product from scratch, always observing the requirements and UX constraints set

We are so thankful to have worked with a great partner

Gary was there every step of the way, from ideation, wireframing, solution design, and implementation. We couldn't have launched KttiPay without him.

Ian Salteri, Founder of KttiPay


 
Methodologies Used

Target User Identification: Conducted initial surveys and interviews with potential users, including families and friend groups, to understand their financial management habits and pain points.

Market Analysis: Analyzed competitors in the fintech space to identify gaps and opportunities for innovation in group financial management.

Persona Development: Developed detailed personas during workshops for typical user groups, such as roommates and family members, to guide design decisions and feature prioritization.

 

Design Process

Wireframing and Prototyping: Iterative creation of wireframes and prototypes to explore different user flows and interface layouts, ensuring intuitive usability.

User Testing: Conducted multiple rounds of user testing with prototypes to refine interactions and gather feedback on usability and satisfaction.

Final UI Design: Developed the final user interface design, focusing on simplicity and clarity to enhance user experience in managing shared financial activities.

 

Challenges and Problem Solving

Integrating Third-party Services: Navigated complexities of integrating third-party fintech services, which required adapting UX and software architecture strategies to accommodate external constraints while maintaining a seamless user experience.

Security Concerns: Emphasized robust security measures in the build to protect sensitive financial information, which involved implementing advanced encryption methods and secure authentication processes.

Design for Trust: Focused on building user trust in a new financial platform through transparent design practices and clear communication of security features.

 

A fraction of the resulting work from user workshops

The Final Product

Design Philosophy: Our goal was to create a final UI that not only met the high standards of the fintech industry but also exuded a friendly and approachable vibe to resonate with our diverse demographic of users. The design needed to balance technical robustness with ease of use, appealing to both tech-savvy individuals and those new to digital banking.

  • Home screen and Adding Kttipay Members

  • Account details and Ktti Index

  • Full virtual card functionality and messaging integration

  • Split Expenses and System Settings

  • Ktti Index and Account Selection Overlay

My work in numbers

Kttipay in the news!

Kttipay founder chats all things start-up & fintech with Mike Loder from Ticker news. Link to the interview below 😎
KttiPay
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