MPay
A secure P2P transfer and bill payment platform for Banque Al Baraka Algeria. Built to make everyday payments feel instant and trustworthy.
One secure app for transfers and bill payments — replacing a fragmented mix of branch visits and legacy tools.
Separate flows for transfers and bills, with inconsistent verification that eroded trust exactly when money moved.
Faster transfers, one mental model for payments, and compliance that doesn't feel like paperwork.
Lead Product Designer, end-to-end — partnering closely with the PM and CEO on compliance and timeline.
Starting from the moments people trust least.
People didn't distrust the bank — they distrusted the moment of sending money. Process started there.
14 customer interviews across two cities, focused on their last transfer.
Mapped the old multi-app journey to cut redundant steps.
Tested low-fi flows with branch staff before any visual design.
Weekly syncs with the PM and CEO to protect the timeline.
One token set, two surfaces.
One token set for mobile and web — a single change updates every surface.
The four screens that carry the whole flow.
A few decisions that mattered more than they looked.
Progressive disclosure replaces a five-step verification wall.
One consistent card state for pending, cleared, and failed.
Bills and transfers share a single "recipient" pattern.
Press-and-hold confirms sends — no extra screen needed.
Designing inside a bank's compliance constraints.
Every money-touching screen needed compliance sign-off — some steps couldn't be cut. So required steps were explained briefly instead of hidden, keeping both compliance and usability intact.