Action · 01 Assumptions & user behavior
In remittances
Trust & speed drive conversion more than visual design
02
Repeat transfers monthly
04
Price sensitive (FX rate)
Users often compare apps before choosing where to send money.
Action · 02 Competitor analysis
Four leading remittance apps
How they balance trust, speed & price transparency
Remitly
Owns: speed & repetition
- Fast repeat transfers
- Clear delivery promise
- Emotion-driven ("send to family")
- Optimized for frequent sending
InsightSpeed reduces friction and increases monthly retention.
Wise
Owns: transparency
- Real FX clarity
- Fee breakdown upfront
- "What arrives" visible instantly
- Minimal, functional UI
InsightUsers trust what they can clearly calculate.
Western Union
Owns: global trust
- Strong brand recognition
- Security perception
- Tracking & reliability
- Massive global coverage
InsightIn remittances, perceived safety drives conversion.
Zigi
Owns: local trust & receiving
- Bank-backed (Banco Industrial)
- Instant wallet/bank receive
- Phone-number based
- Daily financial ecosystem in Guatemala
InsightRecipients trust Zigi's local ecosystem. Senders must feel the same confidence.
Opportunity
SukuPay can win by combining Remitly's speed, Wise's transparency, Western Union's trust, and Zigi's local ecosystem confidence.
Action · 03 UX audit of current home
Clear within 3 seconds
Fast, simple, accessible, but with room to grow
Before · original SukuPay experience
Welcome & login
Home
Send money
Digital currency modal
My Account
Requests · empty state
Activity
Space usage
Home prioritizes balance visibility and simplicity, but there's an opportunity to leverage this space more strategically as the product evolves from transactional tool to trusted financial ally.
Cognitive load
Primary actions (Send, Add, Withdraw, Request) appear more than once across hierarchy levels. Duplication may dilute importance and slow decision making.
Repeat send?
Repeat transfers are a core behavior. Surfacing recent recipients on Home could enable true one-tap sending and increase retention.
FX rate?
Missing key decision info: fee, delivery time, and total received, essential for trust and fast conversion in remittances.
Accessibility
Some buttons don't appear fully accessible. Stronger consistency between primary and secondary actions would improve clarity and predictability.
Activity icon
The current icon may read as "scheduled send" rather than general activity/transaction history, an opportunity to refine iconography and wording.
Settings hierarchy
Settings sits at the same hierarchy level as high-frequency actions like Transactions and Request, despite occasional usage.
Support duplication
Support and WhatsApp support appear multiple times. Does support truly need this prominence, or does it signal unclear communication elsewhere?
Withdraw / Send overlap
Both imply "moving money out" but serve different mental models: self-withdrawal vs. remittance. Same hierarchy level creates decision friction.
Trust
Strong partners reinforce credibility. Highlighting them more could help build user trust in the product.
Pros
- A focused home that goes straight to the point
- Users instantly understand available balance and can take action
- Sending, requesting and managing money is simple: three primary actions clearly visible and easy to access
Cons
- Three primary actions are repeated again with a secondary visual hierarchy
- Iconography could be refined, particularly Transactions and Request, for faster recognition
- Settings & Support carry similar visual weight to primary, transactional actions
Result · Two directions explored
While challenging the current home experience
I explored two possible paths
"Minimal" proposal
Strengthen what already works.
I chose to respect the existing Home structure while refining key areas for clarity and usability. Improvements focused on iconography, hierarchy and visual consistency to reduce cognitive load and strengthen the main conversion path.
I elevated the "Resend" feature, bringing it forward as a primary element on Home to better support one of the most frequent user behaviors, repeat transfers, directly supporting the goal of reaching 100M transactions by 2026.
"The North" proposal
Scale into a financial ecosystem.
A North Star approach: evolving the product to solve more user needs over time, positioning SukuPay as a long-term financial ally rather than just a transactional tool. Brings forward the FX component, enables more prominent repeat sending, and introduces a bottom navigation with room for crypto transactions, investment options, a marketplace and a lightweight FAQ section.
Interactive prototype
Scroll to collapse the header, tap the eye icon to hide the balance, swap the exchange rate and open a FAQ. This is the actual "North" Home screen, not a static shot.
Design system · Components
Built to scale.
Documented to ship.
Every component was designed with clear states, real content and system logic, from the balance box to the smallest FAQ item, so the Home experience stays consistent as SukuPay grows into a broader financial ecosystem.
Aa
I chose Inter as the primary typeface because it's widely adopted in fintech products, offers a modern and clean aesthetic, and provides a broad range of weights and variables that support flexibility and accessibility across the interface.
01
Repeat Transfer Card · States
The Resend card surfaces the most recent recipient directly on Home, enabling true one-tap sending. Recipient, phone (masked), last amount and two clear actions: Send again or Edit amount.
Repeat transfer · Card
Send again · Primary
Edit amount
Masked phone number
One-tap repetition
02
Exchange Rate · Currency Converter
A single, always-visible module answers the core trust question in remittances: what does the recipient actually get? USD and GTQ sit side by side with a swap control between them.
Exchange rate · USD ⇄ GTQ
Live rate
Swap icon
Currency dropdowns
FX transparency
03
FAQ Accordion · Progressive Disclosure
A lightweight, expandable FAQ answers the most common doubts (bank account requirements, fee cost, withdrawals) right where the decision happens, reducing dependency on WhatsApp support.
FAQs · Expand / collapse
+ / − affordance
One question open at a time
"Ver más" expansion
Reduces support load
04
Bottom Navigation · States
Home, Activity, Contacts and Withdraw sit around a floating Send money action. Every tab has a clear active state, and the pattern was documented for both light and dark surfaces.
Bottom nav · Light & dark variants
Home · Activity · Contacts · Withdraw
Floating send money FAB
Active state per tab
Light & dark surface
01
State-adaptive
The Home interface adapts to the user's funding and return status: new users see "Add money" first, returning users see Resend.
02
Trust through transparency
Fees and exchange rate are always visible upfront: no hidden costs, no surprises at checkout.
03
One-tap repetition
The Resend flow reduces the most common behavior, a repeat transfer, to a single, confident tap.
