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Designing a
finance MVP app

A multi-currency finance platform for globally active users, balancing security, usability, and scalability from the first release. And the three directions I tried before landing on the right one.

3Platforms designed (iOS, Android, Web)
6MVP features shipped
5Dashboard iterations before the right one
RoleUX/UI Designer
scopeUX, UI, Design System
PlatformiOS · Android · Web
TimelineJuly – Sep 2024

A platform for users
with mobile money.

Monify was conceptualised as a multi-currency finance platform for globally active users who manage accounts across countries, currencies, and financial systems simultaneously.

Designing for finance means holding three things in tension: security, usability, and scalability. My role: UX and UI design, design system architecture, and scoping which features made the first release.

MVPLean UXEurope MarketOpen Banking

Lean UX: ship the core,
learn from the rest.

A fintech MVP is a bet — you're shipping with incomplete information. Lean UX was deliberate: deliver core value early, then learn from real users before adding complexity. The failed attempts above aren't separate from this process — they are the process.

Ship the core. Measure what matters. Learn from real users. Improve from evidence not assumption.
01
Build

Core MVP only: layered dashboard, inline toggle, virtual card. Nothing without a validated reason.

02
Measure

Task completion, drop-off by screen, time-on-task. Where do users hesitate?

03
Learn

Synthesise signals. What creates clarity? What creates friction? What was wrong?

04
Improve

Iterate on evidence. New features after the core is validated, complexity is earned.

Six features. Every one
earned its place.

Each feature was evaluated: does it serve a validated user need? Does it contribute to the core value? Can it be built to a high standard within scope? Anything that didn't pass all three went to the roadmap not the MVP.

Banking
Bank integration (Open Banking)
Tracking
Expense tracking & reports
Visualisation
Data visualisation
Automation
Payment reminders
Currency
Inline currency toggle
Security
Secure authentication

What I Learned

"Monify taught me that the decisions you document are as important as the decisions you make. A trade-off you can explain is a design decision. One you can't is just a guess."

The most valuable part wasn't the final design — it was being wrong three times in ways that each clarified something different. The full-overview failure taught information hierarchy.

If I continued: usability testing across all three surfaces, a second pass on the error state system with real error data.

What I’d do next

  • 01Usability testing and validate the layered hierarchy works across iOS, Android, and web
  • 02AI categorisation will be added later once we have real transaction data to train against
  • 03Physical card issuing that design is ready, waiting on banking partnerships
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