ZIROPAY
92% User Satisfaction Survey + 100% task completion
Fintech
Compressed a multi-hour, multi-app payment journey to under 60 seconds !
Unifying Remittance-to-Spending for Nigerian Students
Project Overview
Faced with a fragmented 3–5 app remittance workflow, I designed a unified fintech solution for Nigerian students. By consolidating three core flows and grounding decisions in user research, I achieved 100% task completion and a 92% satisfaction score.
Problem Statement
Nigerian students receiving remittances were forced to juggle 3–5 apps to convert and spend funds locally. The fragmented workflow meant hidden fees, repeated delays, and hours lost at the exact moment money was needed most.
Industry
Fintech
My Role
Solo Designer (End-to-End Design)
Platforms
Android and iOS
Timeline
3 weeks
Persona
Femi Adeyemi
University Student
I just need my dollars to become Naira I can spend - without juggling five apps to get there!
Age: 23
Location: Lagos, Nigeria
Tech Proficiency: High
Gender: Male
Goal
Get the best rates.
Avoid mistakes during transfers.
Track his spending automatically.
Frustrations
Slow transfers (Binance P2P takes 30 mins).
Banks reject conversions <$50.
No transparency on rates.
Process
01 User Research
Surveyed 13 Nigerian students via Maze to understand post-transfer spending friction and priorities.
Mapped current multi-app workflows to identify where delays, fees, and drop-offs concentrated.
Audited 5 competitors (LemFi, Wise, Kuda, OPay, Grey) to identify gaps in the student post-transfer experience.
02 Insights
56% prioritized speed of forex conversion over better rates - delays map directly to missed meals and transport.
No existing app addressed the post-transfer journey - tools stop at "money received" and ignore conversion and local spending.
Students need lightweight financial accountability, not heavy dashboards - "manage the little" was a recurring theme.
03 Design Solution
Unified 3–5 apps into three core flows: Smart Request, Auto-Vault, and Smart Pay - all within one platform.
Designed instant micro-conversion so students convert only what they need, when they need it.
Built a balance-first home screen with PAY prioritized as the primary CTA, reducing choices from four actions to three.
04 Testing & Iteration
Ran unmoderated usability testing via Maze with 5 participants across all three core flows.
Identified date picker friction in Smart Request and planned a "send immediately" default with optional scheduling.
Pivoted from orange-dominant UI to navy structural colour after facilitator feedback exposed hierarchy issues.
Outcome
100% task completion across all three flows with zero drop-off.
Primary payment flow (Smart Pay) completed in under 60 seconds with a 5.0/5 ease score.
92% average user satisfaction score across all tested flows.
Key Learnings
Feedback is design data
Welcoming facilitator critique of my home screen hierarchy led to the project's strongest visual decision.
Constraints drive creativity
Figma's free tier forced me to focus microinteractions on emotionally significant moments only — producing better motion design.
Documentation is design work
Writing the case study revealed reasoning gaps and prompted design revisions that improved the final product.