ML Wallet — Fintech Mobile Application
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Industry: Fintech
Role: Research Staff - UI/UX Designer (End-to-End)
Platform: Mobile, IOS, Android
Scope: Dashboard, Payments, Remittance
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​OVERVIEW
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​ML Wallet is a mobile financial application designed to support digital payments, remittances, and everyday financial transactions through M Lhuillier’s nationwide network.
The goal was to simplify complex financial workflows into a clear, intuitive mobile experience.
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PROBLEM​
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As the platform evolved to support multiple financial services, the user experience became more complex across key workflows.
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Some processes, such as OTP verification, introduced friction during login and transactions. Navigation structure also made certain commonly used features less immediately accessible, while some advanced features added additional cognitive load for users.
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The integrated online shop experience also presented opportunities for improvement in terms of clarity and ease of use.
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In addition, the visual design and interaction patterns had opportunities to be enhanced to better align with modern fintech standards and evolving user expectations.
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The challenge was to improve the overall experience by simplifying workflows, improving clarity, and creating a more intuitive and scalable system for users.
DESIGN CONSTRAINTS
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The platform needed to support multiple financial services within a single, unified experience
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Existing business processes and branch operations had to be considered in the user flows
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Design decisions needed to align with predefined backend structure and API limitations
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The experience had to remain clear and accessible for a wide range of users, including non-tech-savvy individuals
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High importance on trust, clarity, and error prevention due to the nature of financial transactions
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Limited time and resources required prioritization of high-impact improvements
MY ROLE
Led the end-to-end UI/UX design of the application, focusing on simplifying complex financial workflows into intuitive and user-friendly experiences informed by nationwide user research.
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Collaborated closely with developers, stakeholders, and leadership to ensure alignment with technical constraints, business requirements, and real-world usage.
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Translated insights into clear, actionable design solutions using Figma, and presented key concepts and decisions to cross-functional teams and executive stakeholders.
KEY DECISIONS
Improving OTP Experience
Decision:
Redesigned the OTP flow with clearer input fields, auto-focus behavior, and immediate feedback for errors.
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Why:
The existing OTP process created friction during login and transaction verification.
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Outcome:
Reduced user errors and improved completion of critical authentication steps.
Improving Online Shop Experience
Decision:
Redesigned the shop interface with clearer product structure, better categorization, and simplified browsing.
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Why:
Users found it difficult to explore products and complete purchases efficiently.
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Outcome:
Improved usability and made the shopping experience more intuitive.
Making Navigation More Intuitive
Decision:
Reorganized the navigation structure and surfaced commonly used features more prominently.
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Why:
Users had difficulty finding frequently used actions due to the unclear hierarchy.
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Outcome:
Improved discoverability and reduced time to complete key tasks.
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Modernizing the Visual System
Decision:
Updated typography, spacing, color usage, and UI patterns to align with modern fintech standards.
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Why:
The previous interface felt outdated and less competitive compared to other fintech platforms.
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Outcome:
Created a more polished, engaging, and contemporary user experience.
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Prioritizing Core Financial Actions
Decision:
Highlighted primary actions such as Send Money and Pay Bills on the home screen.
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Why:
These are the most frequently used features and should be accessible with minimal effort.
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Outcome:
Streamlined user flows and reduced unnecessary navigation steps.
Designing for Trust and Clarity
Decision:
Applied consistent layouts, clear labeling, and structured flows across financial interactions.
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Why:
Users need confidence when performing sensitive financial transactions.
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Outcome:
Improved user trust and reduced hesitation during key actions.
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Reducing Interface Complexity
Decision:
Reorganized non-essential and advanced features from primary screens.
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Why:
Too many visible options increased cognitive load and distracted users from core tasks.
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Outcome:
Simplified the interface and improved focus on essential actions.
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Aligning with Technical Constraints
Decision:
Adjusted interaction flows based on backend limitations and system behavior.
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Why:
To ensure designs were feasible and could be implemented efficiently.
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Outcome:
Enabled smoother collaboration with developers and reduced rework.
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SOLUTIONS
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impact
Improved clarity and usability across key financial workflows, making it easier for users to complete essential tasks such as login, payments, and navigation.
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Simplified the overall experience by reducing interface complexity and prioritizing core actions, resulting in a more intuitive and user-friendly product.
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Enhanced visual consistency and modernized the interface, aligning the product with current fintech standards and improving overall user perception.
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Strengthened collaboration between design and development by aligning solutions with technical constraints, enabling smoother implementation and reducing iteration cycles.
reflection
Designing for fintech highlighted the importance of balancing complexity with clarity. Financial systems naturally involve multiple services and constraints, yet users expect a simple, seamless experience.
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This project reinforced the value of prioritizing core user needs, reducing unnecessary complexity, and designing with trust and confidence in mind.
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It also emphasized the importance of working closely with developers and stakeholders early in the process to ensure that solutions are not only user-centered but also technically feasible and scalable.
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Moving forward, I aim to continue building products that bridge user needs, business goals, and engineering realities—creating solutions that are both practical and impactful.