Personal Message on Money Transfer

Enhanching the money transfer experience on Bank Raya App

App

Exploration

App

Exploration

How did I got the impact?

STEP 1: EMPATHIZE

The current money transfer process feels rigid and impersonal, even though it is often done for emotional purposes.

Target users

Gen Z (1997-2012)
Both genders
Sending gift via money transfer

“Personalization at scale can drive between 5 and 15 percent revenue growrth for companies in financial service sectors”

Relay Network, 2019

“Alongside receiving gifts, four-fifths (81%) of people said they were considering giving a financial gift this Christmas.”

Independent, 2024

STEP 2: DEFINE

USER NEEDS

Wants to add a personal touch when making a transfer.
Wants to feel more emotionally connected.
Needs a quick and fun way to send a message.

BUSINESS GOALS

Increase in-app engagement.
Build an emotional connection between users and the Bank Raya app.
Create differentiation from competitors.

STEP 3: IDEATION & WIREFRAME

STEP 4: HIGH FIDELITY DESIGN

The Previous Designs

Android Large

360 x 800

INSERT SCREEN HERE

Android Large

360 x 800

INSERT SCREEN HERE

The New Designs

Try Protototype

In the new design, I added a section that allows users to include a personal message when transferring money. Users can choose a sticker and an accompanying suggested message, which appears based on the sticker they select. This feature aims to make money transfers feel warmer and more personal, turning a transactional moment into an emotional connection.

Compared to the previous design, which only focused on payment details, the new design adds a playful and emotional layer, increasing user engagement.

I placed this feature in the transfer confirmation stage, so users encounter it just before completing the transaction, ensuring the process remains smooth while still encouraging personalization.

In the new design,

I added a section that allows users to include a personal message when transferring money. Users can choose a sticker and an accompanying suggested message, which appears based on the sticker they select. This feature aims to make money transfers feel warmer and more personal, turning a transactional moment into an emotional connection.

Compared to the previous design, which only focused on payment details, the new design adds a playful and emotional layer, increasing user engagement.

I placed this feature in the transfer confirmation stage, so users encounter it just before completing the transaction, ensuring the process remains smooth while still encouraging personalization.

STEP 5: MINI TESTING

Total Participants: 5 users

Test Protocol (5-minute remote)

Sent a short brief and the prototype link via WhatsApp.
Participants explored the prototype on their phone for up to 5 minutes.
Afterwards, they rated the five statements below on a 1–5 Likert scale and added quick comments

Rating Statement (1-5)

The pages have a friendly and welcoming interface.
The information on the interface is easy to understand.
The process of writing a review is quick and efficient.
The overall design feels visually appealing.
I would be happy to use this interface again in the future.

Avg. Score

Key Insight

Friendly & welcoming interface

4.8

Most users felt comfortable and positive using the interface.

Information easy to understand

4.7

Clear text and layout were appreciated; one suggested adding more icons.

Quick & efficient review process

4.5

Users liked the stickers and pre-written messages, saying they made transfers feel more personal. Some suggested adding more sticker categories.

Visually appealing to use again

4.7

Color scheme and spacing received positive feedback.

Willingness to use again

4.8

Strong intent to use again, seen as fun and simple

Summary

Overall feedback was highly positive, with an average score of 4.66/5. Suggestions mainly focused on small usability improvements to make the process even quicker and more accessible.