Wallet Ecosystem: Building a FinTech Platform Around Mobile Money

• More than just an app: A digital wallet cannot survive alone. It needs field agents to deposit cash, merchants to accept payments, and everyday services where people can spend money.
• Fragmented business tools: Our field agents were juggling two separate apps—one for telecom SIM services and one for wallet cash transfers.
• Nationwide cash disruptions: When traditional banks faced cash limits, our wallet ecosystem had to keep money moving reliably for small shops and everyday users.
• Hundreds of screens to connect: Merging the two agent apps into one portal meant organizing user roles, security rules, and daily balances across over 200 screens.
• Missing merchant rails: Local shopkeepers had no easy way to accept digital QR payments, and we had to design a merchant product completely from scratch.

• A complete financial network: Connected consumers, thousands of neighborhood agents, and local shops into a single, self-sustaining FinTech ecosystem.
• One tool for field agents: Replaced two cluttered apps with a single role-based app that adjusted automatically based on what services each shop sold.
• Fast 1.5-month launch: Using a direct Design-with-Dev approach, we designed and shipped the Merchant Payment App from scratch in six weeks.
• Universal payment rails: Created a standard checkout flow reused across fiber internet, data packs, and third-party utility bills.

Working alongside our Product Owners and developers, I led the product and UX design to tie the whole ecosystem together:

1. Ecosystem Architecture: Mapped how consumers, field agents, and merchants interact, making sure money could flow smoothly between cash and digital.
2. Unified Agent App: Designed a single portal for thousands of agents across over 200 screens, giving them role-based access for SIM sales, cash-in, and cash-out.
3. Clear Deposit & Withdrawal Paths: Designed simple guidance for over 20 banking and agent cash-in routes so money never got stuck during banking limits.
4. Direct Design-with-Dev for Merchant App: Partnered directly with developers to design and launch the Merchant App MVP in six weeks, including simple business onboarding and instant QR payments.
5. Universal Checkout Architecture: Mapped and planned the unified checkout framework, which a project manager then helped carry forward across our other services.