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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?"

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.

Business goals

PayNest aims to become a trusted and user-friendly fintech solution in Nigeria, focusing on simplifying payment management for individuals and small businesses. By allowing users to send money to multiple accounts and schedule recurring payments from a single platform, PayNest serves as a smarter and more time-saving alternative to traditional banking apps. The goal is to enhance user retention and increase transaction frequency by fostering trust through reliability, transparency, and ease of use.

Project goals

The main objective of this project was to create an intuitive user experience that integrates multi-account transfers with scheduled payments into a cohesive process. 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. Success criteria included the efficiency with which users completed their tasks, their levels of confidence, and their overall satisfaction with the payment process.

User goals

Managing payments can be stressful, but PayNest provides an efficient solution. It enables users to automate recurring transfers, pay multiple recipients, and schedule bills with ease. With a clear payment calendar and timely alerts before due dates, users can stay in control and focused on what matters most, achieving peace of mind and saving time.

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.

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:

 

  • 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

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

 

  • Uses her phone for 90% of business and financial transactions.

  • Active on WhatsApp (expects simple communication and reminders).

  • Trusts apps with clean, transparent interfaces and instant receipts.

  • Pay her 6 staff every week without stress.

  • Schedule monthly vendor payments (food suppliers, delivery riders).

  • Keep better control of personal and business cash flow.

  • Reduce time wasted in repeating transactions.

Pain Points

 

  • Tired of doing transfers one by one through her bank app.

  • Often forgets due dates for rent, school fees, and salaries.

  • Experiences failed transactions during peak hours.

  • 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

  1. Very friendly and easy interface

  2. Total spend and bugget

  3. Social payment splitting

  4. Calendar-first payment interface

How might

Here are the problem statements I have decided to focus on before designing the wireframe:

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