Case Study: Notionpay – Designing a Cross-Currency Mobile Banking Experience

Notionpay is a financial mobile app that helps users open USD, EUR, and NGN bank accounts for free, pay bills, and save money — all in one place. The challenge was to design a seamless, secure, and intuitive user experience that makes digital banking accessible and delightful for everyone.

1. Discover – Understanding the Problem

The first step in this project was to identify the problem we were solving — and for whom.

Client Goals:

To create a mobile application that allows users to manage multi-currency accounts, settle utility and subscription bills, and track savings goals from a single interface.

User Research:

I conducted user interviews and competitive analysis to understand pain points in existing finance apps like Kuda, Chipper, and Wise.

Key Insight:

“Users were overwhelmed by too many features presented at once. They wanted a cleaner experience that focused on control, clarity, and security.”

2. Ideate – Simplifying Complex Finance

With solid research insights, I moved on to ideating the ideal flow and layout for the product.

User Flow & Wireframes:

I mapped out core flows including:

• Sign Up & KYC onboarding

• Multi-currency account creation

• Bill payments and history

• Goal-based savings feature

• In-app wallet and transaction breakdowns

Collaborative Feedback:

Regular check-ins with stakeholders helped refine the flow. The focus was placed on progressive disclosure — showing users only what they need per step.

Decision:

We adopted a modular dashboard with clear currency tabs, quick actions (Pay, Save, Switch), and informative visuals for balance and activity.

3. Design – Building a Clean, Secure Banking Experience

With structure and content defined, I brought the UI to life using clear design principles.

Design Tools:

I used Figma to build a consistent and scalable design system, including buttons, input fields, icons, and visual cards.

Visual Hierarchy:

Each screen was designed to prioritize trust and clarity:

• Account balances shown with large type

• Primary CTAs (Pay Bills, Open Account, Start Saving) made visually dominant

• Colors: Calm greens and navy blues to build trust, paired with white space for clarity

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Prototype:

I created a fully interactive mobile prototype that walked through account creation, fund transfers, bill payment, and savings setup.

4. Test & Refine – Polishing the Experience

With a working prototype, I conducted usability tests with real users.

Usability Testing:

I observed where users hesitated, misunderstood, or felt overwhelmed. Most of the friction happened around switching between currencies and understanding savings benefits.

Findings:

• Some icons were ambiguous

• The bill category screen needed better grouping

• Users asked for transaction filtering

Final Adjustments:

• Replaced icons with text-labeled buttons

• Reorganized the bill pay section into tabs (Utilities, Subscriptions, Others)

• Added transaction filters and a savings progress bar for motivation

5. Deliver – Preparing for Launch

I wrapped up the project by delivering a clean, well-documented package for development.

• Figma design files with auto layout and responsive constraints

• Interactive prototypes for dev reference

• Style guide including typography, colors, and components

• Developer handoff and QA support during implementation

Conclusion

Notionpay now offers a seamless digital banking experience that’s secure, modern, and incredibly easy to use. After design implementation, early testers reported:

• 40% faster onboarding time

• +60% increase in bill payment usage

• Positive feedback on savings motivation UI

Designing finance isn’t just about function — it’s about building trust, comfort, and control.

Notionpay proves that with the right UI, money management can feel empowering.