Redesign
Transfer
Flow Optimization
Finance Case Study
Transfers are a well-established and widely used financial service today. However, compared to traditional bank transfers, transfer features in e-payment services are a more recent development, especially with the introduction of inter-institutional transfers, which enable seamless fund flow between different service providers.
Overview
About This Project
This project showcases my design iteration process for transfer features in an e-payment product. It also highlights how I leveraged UX principles and user perspectives to optimize the interface and structure the inter-institutional transfer process for a smoother experience.
Feature Planng
Enhance Transfer Experience
I took the initiative to redesign and optimize both the interface and the user flow. The goal was to ensure a seamless experience across different platforms while maintaining clarity and simplicity.
Project Role
This is a side project I initiated during work, based on my own ideas.
My Role
Product Planner
Wireframing
Usability Testing
Timeline
4 Month
2020.04 - 2020.08
Tools
Figma
Axure
Competitive Analysis
First, I conducted an initial evaluation and analysis of the transfer features across various providers based on my own experience. Below is a comparative analysis of Jko Pay, LINE Pay, and Cathay Online Banking.
Design
Initial design
After analyzing the competitive transfer processes mentioned above, I found that the structure used in online banking is the most common. Therefore, I decided to use the tab bar classification from online banking as the foundation
General Transfer
Users can enter the recipient’s basic information, transfer amount, and notes.
Allows for quick transfers to saved friends
Recent Transfer
Helps users quickly find and send money to recent recipients.
However, after launching this online banking-inspired approach, I discovered a key user concern that I had initially overlooked:
Do e-payment users really use General Transfer that often by manually entering the recipient’s name and account number? If not, wouldn’t prioritizing Friend Transfers be more important?
Iterating
To verify this issue, I conducted user interviews and investigated how many contacts users actually had, as well as the frequency of using General Transfer.
I discovered that most users had fewer than five contacts, yet the frequency of using Friend Transfer was significantly higher than General Transfer. This indicates that most users prefer Friend Transfer and dislike entering too much recipient information—they just want to enter the amount and send. Additionally, the Scan Transfer feature was also frequently used.
Results
In the new design, I integrated inter-institutional transfer information into the interface and moved the "Select Friend" option to a higher-level hierarchy. This means that, instead of seeing General Transfer first in the main menu, users are presented with a screen that combines both General and Friend Transfers seamlessly.
The updated interface is shown below. At this stage, I incorporated my own UI design, applying my custom color scheme to enhance the overall visual experience.
