Overview

FlowPay is a mobile-first digital bank for UAE residents, one account to receive your salary, send money instantly, manage cards, and understand your spending.

I redesigned the original concept end to end, expanding it from 12 screens to 51 screens across 7 flows, including identity verification, money movement, card controls, and the failure states every real banking app has to handle.

The Problem

• Moving money is high-stakes and irreversible, a wrong IBAN or a double tap costs real money
• Regulatory KYC adds steps users don’t understand, and long onboarding flows get abandoned
• Users can see their balance but not where their money went or how to add more
• Edge cases like delayed transfers and limits are where users lose trust

The Approach

• Built trust into every money moment: bank name check, upfront fees, review step, and Face ID approval
• Prevented costly errors before they happen with duplicate warnings and new-recipient limits
• Made KYC feel short with a 5-step progress bar, Emirates ID auto-scan, and pre-filled details
• Designed unhappy paths with the same care: delayed, failed, offline, timeout, and empty states
• Created a token-based design system and audited every screen against WCAG AA

Key Flows

Onboarding & KYC
• Phone number and OTP with SMS autofill
• Passcode and Face ID setup
• Emirates ID scan, selfie, and verification status

Send Money
• Send by IBAN or mobile number
• Recipient name confirmed by the bank before saving
• Fees and arrival time shown while entering the amount
• Review, Face ID approval, and clear success, delayed, and failed states

Home & Insights
• Account card with one-tap IBAN copy
• Monthly budget and spending by category
• Transactions grouped by day with daily totals

Cards
• Freeze and unfreeze in one tap
• Card details revealed only after Face ID
• Spending limits and payment controls

Add Money
• Shareable account details built around the salary use case
• Instant top-up by debit card or mobile wallet

Impact

• 51 production-ready screens across 7 flows, up from 12, including 15+ edge and error states
• WCAG AA compliant: 210 contrast failures reduced to 0 through a full accessibility audit
• 5 layers of protection in the transfer flow to prevent the most costly user errors
• Complete design system with tokens and component states, ready for developer handoff