Linkup Studio has brought a major Middle Eastern bank's idea to life by creating a digital wallet solution. This innovative app allows users of many banks in the region to integrate all their accounts across diverse financial institutions into one place. It enables them to handle everything from a single platform: send and receive cross-border payments, make money transfers, pay bills, monitor expenditures and earnings across all accounts, and more.

The app's modern product design and advanced features have attracted young users, thus expanding the bank's market share. The mobile app offers a personalized user experience, which allows it to cover users' needs in managing finances more effectively than wherever before. Now, the bank is continuing to scale up and promote the new application further. Our team gathers user feedback and iterates to make the solution even more handy and beneficial.

Although our client holds a substantial share of the financial services and banking market as a B2B company, they wanted to expand their services to offer a new product in the B2C market. For this, they wanted to introduce a modern eWallet solution. Such an app is needed to present high-demand services in a more useful and user-friendly way compared to existing applications. Additionally, clients aimed to attract a younger generation, thereby opening new business opportunities.

To achieve this, bank stakeholders turned to Linkup Studio for a partnership. They requested the creation of a comprehensive mobile app design that would fulfill the request and also incorporate recent product design trends to ensure its relevance for the forthcoming years.

Our team partnered with the client to create an app that will make financial management in the Middle East more inuitive, convenient, and faster. We analyzed the best globally-known financial apps, combined their strengths with our knowledge of Middle Eastern realities and specifics, and offered innovative solutions. Here are some key components and tasks we worked on:

Advanced Security and KYC Compliance. We designed a KYC verification process that leaves customers with the impression that it is extremely fast. We then recommended and implemented adding face-capturing to enhance user security.
Smart Bank Account Linking. To enhance the user experience right from the start, we suggested linking bank accounts at the end of the onboarding process, which has yielded positive results in the engagement rate. Additionally, we provided that integrated bank accounts reflect the respective colors of their bank logos.
P2P Payments and Requesting Funds. To expedite peer-to-peer transactions, we recommended implementing QR code-based payments, placing the scanner in an easily accessible part of the screen for quick access. We plan to add a Shake-to-Pay feature if QR-based payments gain popularity. Additionally, users can request funds and receive them from other wallets and banks worldwide.
Seamless Cross-Border Transfers. Our team created a design of a user-friendly, step-by-step transaction process with real-time currency conversion. Users can now send money globally to other wallets or bank accounts, save repeated payments, and view transaction history sorted by country.
Easy Bill Payments. Targeting a young audience, we associated each bill payment with specific icons and colors and enlarged the input fields to make mobile-based bill payments more comfortable and engaging compared to competitors' apps.
Analytics and Insights. Our designers at Linkup Studio created compelling charts and diagrams to help users visually monitor their spending, assess balance trends and financial health, and set budgets for future activities.‍
Loyalty Perks. Our team analyzed potential opportunities for a loyalty program aligned with the bank’s goals and suggested implementing one. Then, we created a mascot that earns new items and coins for in-app achievements. The client is now partnering with local businesses to allow users to redeem app rewards for goods and services.

In the wireframing stage, we sketched the placement of elements like menus, buttons, and content areas on each screen. This design creation stage focused on the app's design and user navigation. In close collaboration with the client, we refined the wireframes and made sure that the positioning and arrangement of elements aligned with the product vision.