The Hook
Sending money in Nigeria is easy—until you have to send it to many people at once or remember to do it again every week. PayNest solves this with one clean workflow: Send. Split. Schedule. Done
Project Overview
Product: PayNest—Smart Multi-Transfer Fintech App
My Role: Lead UX/UI Designer
Timeline: 3 weeks (Design Sprint)
Team: Solo concept project
Tools: Figma, Miro, Notion, Maze (for testing)
The Problem
Nigerians frequently handle several bank transfers, including payments to employees, suppliers, relatives, and bills. However, very few fintech apps offer a dependable way for users to schedule payments within the app, and the majority need users to execute separate transactions for each payment. "Why can't I just schedule all my transfers at once and forget about it?" is a question that many people have.
The Solution
PayNest is a mobile financial platform that I built that lets consumers send money to several recipients at once. Through a Payment Calendar, users may plan future or periodic payments, get low-balance warnings and reminders, and see impending transfers.
Design Goals
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Eliminate friction in multi-account transfers.
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Provide trust through confirmation and transparency.
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Offer simple scheduling and payment automation.
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Fit Nigerian mobile/data constraints.
Business goals
With an emphasis on making payment administration easier for both individuals and small enterprises, PayNest hopes to establish itself as a reliable and user-friendly financial solution in Nigeria. PayNest is a more intelligent and efficient substitute for conventional banking apps since it enables users to send money to numerous accounts and set up regular payments from a single platform. By building trust via dependability, transparency, and usability, the objective is to improve user retention and boost transaction frequency.
Key Features
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Batch Transfers: Send to multiple accounts in one flow.
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Smart Scheduling: Daily, weekly, or monthly payment options.
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Alerts: Reminders and failed-payment notices.
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Templates: Save frequent transfers.
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Calendar View: Visualize your financial plan.
Project goals
This project's primary goal was to develop a user-friendly interface that combines scheduled payments and multi-account transfers into a seamless procedure. The focus was on minimizing friction during the payment setup phase, enhancing the visibility of upcoming transactions, and ensuring that users can automate their finances with confidence, regardless of their technical expertise. The effectiveness with which users finished their jobs, their confidence levels, and their general happiness with the payment process were all considered success factors.
User goals
Managing payments can be difficult, but PayNest offers an effective alternative. It allows users to automate regular transfers, pay multiple recipients, and schedule bills with ease. With a clear payment calendar and timely reminders before due dates, users can maintain control and focus on what is most important, resulting in peace of mind and time savings.
I interviewed five individuals in-depth to learn more about the intricacies of their challenges and the obstacles they encounter on a daily basis. I wanted to learn about their individual development stories and investigate the causes of their dependence on online payment tools. In order to gain a more comprehensive knowledge of consumers' motives and the variety of experiences that influence their interactions with these digital tools, I also carefully examined app store reviews.
User Research
Interview and App Store Review Analysis
Grouping our users into 2 main archetypes:
archetypes 1
The Overwhelmed Business Owner"
Adebayo is a small business owner who ran a restaurant three years ago. He has successfully grown his staff from two to eight employees. Adebayo is passionate about providing good food and treating his employees well; however, he often feels overwhelmed by the administrative aspects of running a business.
Frustrations:
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Why can't I just set it once and forget it?"
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I need to focus on cooking, not remembering payment dates."
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Every app works differently—it's confusing."
Goals & Motivations:
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Keep staff happy and paid on time
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Reduce time spent on admin tasks
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Focus more energy on growing the business
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Maintain good relationships with suppliers
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Have better visibility of cash flow
Pain Points:
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Memory Overload: I keep a notebook with everyone's account details, but I still forget."
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Time Wastage: Friday evenings are hell—I spend 2-3 hours just sending money."
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Network Issues: Occasionally, the MTN network fails during a transfer, and I'm unsure if it was successful.
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App Jumping: I have to use Kuda for staff, OPay for bills, and First Bank for suppliers."
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Stress: "I've had staff complain about late payments when I forget
archetypes 2
entrepreneur
Chioma Adeyemi is a 32-year-old entrepreneur based in Lagos, Nigeria. She owns a successful catering business and manages a small team of staff while coordinating with multiple vendors each week. Chioma is tech-savvy and relies heavily on her smartphone for both personal and business transactions. Driven by a desire for efficiency, she values tools that help her save time, stay organized, and maintain financial control. Given her busy lifestyle, she seeks simple and reliable solutions that reduce stress and keep her payments on track.
Behavior
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Uses her phone for 90% of business and financial transactions.
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Active on WhatsApp (expects simple communication and reminders).
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Trusts apps with clean, transparent interfaces and instant receipts.
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Pay her 6 staff every week without stress.
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Schedule monthly vendor payments (food suppliers, delivery riders).
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Keep better control of personal and business cash flow.
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Reduce time wasted in repeating transactions.
Pain Points
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Tired of doing transfers one by one through her bank app.
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Often forgets due dates for rent, school fees, and salaries.
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Experiences failed transactions during peak hours.
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Needs reminders when funds are low to avoid embarrassment.
The Real Pain Points
Fragmented Experience
Users manage 2 to 3 different apps to meet their various transfer needs.
Network Anxiety
Poor connectivity undermines the reliability of batch operations.
Memory Burden
There is no dependable method for automating or tracking payments.
Trust Issues
History of problems with failed scheduled payments from other payment platforms.
Visibility Gap
No clear overview of upcoming financial commitments.
I started with "Crazy 8s" sketching sessions, exploring wild ideas
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Very friendly and easy interface
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Total spend and budget
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Social payment splitting
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Calendar-first payment interface
Information Architecture
An information architecture was developed to address user needs and research findings, ensuring intuitive navigation and quick access to essential app features.
User flow
After completing my research, I set out to develop a feature that simplifies transactions for users. This feature will inspire users to take control of their financial health and master their expense management.
Wireframe
With intricate graphics and interaction that make the user experience come to life, the low-fidelity wireframe displays Nestpay's sophisticated design.
High fidelity Wireframe
When I dove into Figma, that's when I really came to life. This was my favorite part—turning strategy into concrete, clickable experiences—after all the user journeys, research, and edge-case preparation. It was very satisfying to create the processes, worry over the user interface, and watch the result take shape. Figma turned into my creative and precise playground, where all the parts came together to create a smooth, user-friendly experience.
