80% of U.S. workers live paycheck to paycheck, and 1 in 4 don’t set aside monthly savings. Our clients were either using third-party instant pay vendors or offering nothing at all. We built instant payment features directly into our app, giving users fast access to earned wages.
As the lead designer, I focused on mobile UX, sketching, prototyping, and visual design. The product now processes over 2 million transactions annually.
I started with visual moodboards and competitive research to align on both tone and functionality. This helped us find a visual direction that balanced fintech expectations with our mobile app’s design language.
Requirements shifted frequently and early wireframes surfaced edge cases we hadn’t planned for. I explored layout and pattern options through light sketching to uncover gaps and push core flows further.
I pushed visual and interaction design within our system constraints. While we couldn’t redesign everything, I found opportunities to improve layout and flow. I tested alternate interaction patterns like sliders and radio selectors to keep the experience simple and engaging.
This was a high-visibility feature with close exec involvement. I incorporated feedback and ran small usability checks to validate key interactions. The process helped align visual tone with product strategy.
Admins needed control over employee access, transaction limits, and service defaults. We designed a clear and scalable configuration experience on desktop. Language, logic, and toggle behavior were iterated on to meet client needs.
We launched On Demand Pay inside our main app and rolled it out to 26 clients in the first year. Transaction volume hit $4.2M, with an average of $179 per transaction. The majority of users were hourly employees. The success confirmed the value of embedded fintech and supported future investment in mobile.
I'm a dad, husband, and musician based just outside the Twin Cities. I've spent 15+ years designing thoughtful, impactful digital experiences.
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