Mbiller

Bill Payment Application

Senior Product Designer (Contract), April 2022–December 2024. Streamlined onboarding and transaction flows for a consumer bills-payment and wallet app, cutting payment completion time by 40% and lifting successful wallet funding by 25%.

Senior Product Designer (contract)

My Role

Mobile (iOS & Android)

Platform

Onboarding, Fund Wallet, Pay bill.

Focus

40% faster payment completion

Outcome

The Business Stakes

Bill payment and wallet apps live or die on transactional friction. Every extra step in a funding or payment flow is a drop-off risk, especially for users with lower financial literacy or older devices, who make up a meaningful share of this product's base.

My Role

I owned UX optimization end-to-end for onboarding and transaction flows, applying WCAG accessibility standards throughout to keep the experience usable across device types and literacy levels.

The Hard Problem
Cut the wallet-funding flow down without removing the verification and compliance steps that had to stay the tension between speed and the safety requirements the product legally couldn't skip.

Solution

The wallet funding flow was rebuilt from 5 screens down to 3 by merging amount entry and verification into a single combined step and moving the required compliance checks into that step instead of leaving them as a separate blocking screen right before completion. The same regulatory requirements are still met; they're just no longer their own interruption in the flow, and the accessibility patterns carried through unchanged, so the shorter flow didn't get harder to use.

Impact

Wallet funding reduced from 5 steps to 3

40% faster payment completion
25% increase in successful wallet funding

Reflection

With more time, I'd have instrumented more granular funnel analytics from the start. Right now, I can point to the overall lift, but I'd like to know precisely which of the three step removals contributed most, so the next optimization pass could be even more targeted.