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PAYNEST APP

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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)

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The Problem

Nigerians often manage multiple bank transfers, such as payments to staff, vendors, family, and bills. However, most fintech apps require users to complete separate transactions for each payment, and very few provide a reliable option for scheduling payments within the app. As a result, many users wonder, "Why can't I just schedule all my transfers at once and forget about it?"

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The Solution

I've designed PayNest, a mobile fintech platform that allows users to transfer money to multiple recipients at once. Users can schedule future or recurring payments, receive reminders and low-balance alerts, and visualize upcoming transfers through a Payment Calendar.

​Design Goals

  • Eliminate friction in multi-account transfers.

  • Provide trust through confirmation and transparency.

  • Offer simple scheduling and payment automation.

  • Fit Nigerian mobile/data constraints.

Key Features

  • Batch Transfers: Send to multiple accounts in one flow.

  • Smart Scheduling: Daily, weekly, or monthly payment options.

  • Alerts: Reminders and failed-payment notices.

  • Templates: Save frequent transfers.

  • Calendar View: Visualize your financial plan.

The Discovery

During my time working at a small restaurant in Lagos, I helped my supervisors with various tasks. One recurring challenge they faced was managing payments. My supervisor mentioned, "At the end of every month, I spend three hours sending money to twelve different people. I often run out of data and forget who I've already paid. There has to be a better way to handle this." This statement piqued my curiosity—was this a common problem others were experiencing as well?

I conducted in-depth interviews with five participants to explore the complexities of their struggles and the hurdles they face in their daily lives. Through their stories, I aimed to uncover their personal journeys of progress and explore the reasons behind their reliance on online payment apps. Additionally, I scrutinized app store reviews to capture a broader understanding of users' motivations and the diverse experiences that shape their interactions with these digital tools.

Interview and App Store Review Analysis

 

User Research

Grouping our users into 2 main archetypes:

 

The Overwhelmed Business Owner"

archetypes 1

 

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:

 

  • Why can't I just set it once and forget it?"

  • I need to focus on cooking, not remembering payment dates."

  • Every app works differently—it's confusing."

Goals & Motivations:

 

  • Keep staff happy and paid on time

  • Reduce time spent on admin tasks

  • Focus more energy on growing the business

  • Maintain good relationships with suppliers

  • Have better visibility of cash flow

Pain Points:

 

  • Memory Overload: I keep a notebook with everyone's account details, but I still forget."

  • Time Wastage: Friday evenings are hell—I spend 2-3 hours just sending money."

  • Network Issues: Occasionally, the MTN network fails during a transfer, and I'm unsure if it was successful. 

  • App Jumping: I have to use Kuda for staff, OPay for bills, and First Bank for suppliers."

  • Stress: "I've had staff complain about late payments when I forget

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