JRF WALLET

Redesigning JRF Wallet for Faster and Simpler Remittance

A smart remittance mobile application that allows users to register instantly using NFC/OCR technology and send money.

Year

2026

Duration

14 Weeks

Role

Senior UX/UI Designer

Redesigning JRF Wallet for Faster and Simpler Remittance
View Prototype

THE PROBLEM

Customer registration and beneficiary setup required improvement to simplify onboarding, reduce human errors, and increase the number of successfully registered customers.

THE SOLUTION

NFC: Simplified customer registration using NFC/OCR technology to reduce onboarding time, minimize manual input, and prevent human errors.

AUTO CAPTURE: TOUCHLESS ENTRY

The mobile application fetches customer data from the residence card, eliminating manual data entry.

Multi Currency Wallet

Enjoy a multi-currency wallet with competitive exchange rates.

Beneficiary registration

Beneficiary registration with simplified requirements and clear guidelines.

Seamless eKYC Process

We simplified the eKYC process to help customers complete verification and send remittances on the same day.

Referral Program

Customers can share referral codes to invite others and earn rewards through a simple and engaging referral system.

BACKGROUND

Existing Remittance Apps Create Friction During Critical Tasks

Imagine this: It’s late at night, and Ahmed urgently needs to send money to his family overseas. While registering and adding a beneficiary, he faces lengthy forms, confusing verification steps, and transaction delays—creating stress and uncertainty when immediate support is needed most.

Approximately 46% of remittance transactions were initiated during evening hours when customers urgently needed funds delivered overseas. However, closed back-office operations often caused processing delays and customer frustration.

As a foreign resident, I understood the frustration customers face when complicated registration and remittance processes delay urgent transfers. To solve this, I introduced NFC/OCR onboarding and redesigned the experience with simplified, to-the-point workflows that enabled customers to register and send remittances on the same day.

RESEARCH

Designing with User Empathy

To validate the solution, I analyzed existing remittance applications and gathered insights from real customer experiences.

To improve the JRF Wallet experience, I analyzed existing remittance applications and gathered insights from real customers to better understand onboarding and transaction pain points.

Understanding Real Customer Challenges

I conducted both in-person and virtual interviews with remittance users to better understand their onboarding and transaction experiences. Using an affinity map, I identified the following key insights:

Affinity map

Competitive Analysis: Strengths & Gaps in Existing Solutions

I reviewed four major recovery apps and uncovered key insights:

App logo App logo App logo App logo
Strengths
  • User-Friendly & Clean Design
  • Evidence-Based Approach with Resource Database
Weaknesses
  • Limited Personalization Options
  • Dependence on Identity Verification Requirements
  • Learning Curve for First-Time Digital Remittance Users
  • Some Features Require Additional Compliance Documentation
Opportunities
  • Introduce seamless NFC/OCR Customer Onboarding
  • Enhanced Promotion, Referral, and Loyalty Programs
  • Introduce the Domestic Transfer and P2P Services
Threats
  • Data Privacy and Cybersecurity Concerns
  • Regulatory and Compliance Changes
  • Exchange Rate Volatility and Market Competition

DEFINE

Designing a Frictionless Remittance Experience

Using findings from interviews and user research, I developed a user persona to represent the goals, challenges, and behaviors of JRF Wallet customers.

Understanding Our User: Meet Clorenz

Clorenz need a frictionless digital experience that reduces complexity and enables same-day registration and remittance.

User Persona

HOW MIGHT WE…

Enable customers to register, verify their identity, and send remittances seamlessly without delays or back-office dependency?

IDEATION

Turning Pain Points into Features

With a clearly defined user, I explored solutions that align with their needs and challenges to ensure support is always available.

Why NFC?

AI provides immediate, personalized support by addressing key pain points:

  • Enhanced Security → NFC helps prevent the use of fraudulent residence cards.
  • Improved Accuracy → NFC eliminates address and language-related typing errors.
  • Faster Onboarding → NFC automatically captures customer data, removing the need for manual

Information Architecture

To simplify onboarding and remittance workflows, I mapped the end-to-end customer journey and organized key touchpoints to reduce friction, improve efficiency, and support self-service transactions.

  • NFC/OCR Registration & Re-eKYC: Designed a streamlined onboarding flow that automatically captures customer information from residence cards and simplifies identity verification through Re-eKYC.
  • • ATM-Based Remittance Transactions: Structured a direct ATM remittance journey, enabling customers to initiate and complete money transfers conveniently without visiting a branch or relying on back-office support.
User Flow

DESIGN

Designing for Support & Accessibility

After defining core user flows, I sketched key screens to visualize interactions, prioritizing a clean, accessible design to reduce cognitive load. Given the app's sensitive nature, the goal was to minimize friction and ensure quick access to support.

From there, I transitioned to Figma, refining layout and hierarchy with mid-fidelity wireframes before adding visual elements.

Wireframes
Wireframes detail

Visual Elements that Power the Experience

Every element of JRF Wallet’s interface was designed to create a fast, secure, and intuitive remittance experience—reducing friction and enabling customers to complete transactions with confidence.

  • Logo & Colors: A modern visual identity combined with bold and trusted colors reinforces reliability, security, and financial accessibility.
  • Typography: Clean and highly readable typography was selected to support multilingual users and ensure effortless interaction across onboarding and remittance journeys.
  • UI Components: Simplified forms, structured layouts, clear CTAs, and guided interactions help customers register, verify identity, and send money with minimal effort.

This design system creates a seamless and accessible experience, allowing customers to manage remittances anytime and anywhere.

UI Kit

TESTING & ITERATIONS

Refining the Experience Through User Feedback

I conducted moderated usability testing to evaluate key journeys within JRF Wallet. Participants were asked to complete the following tasks:

  • Register using NFC/OCR and complete Re-eKYC..
  • Add a beneficiary and send a remittance transaction..

While the experience was generally successful, feedback revealed opportunities to improve navigation, reduce manual input, and simplify transaction flows. Iterations were introduced to create a faster and more intuitive experience.

1

Personalizing Exchange Rate Visibility

  • User Feedback: Customers found multiple exchange rates cluttered and preferred seeing only the rate relevant to them.
  • Final Iteration: The final design displays exchange rates based on customer nationality, creating a cleaner and more personalized experience.

BEFORE

Before

AFTER

After

2

Making Navigation Faster and More Accessible

  • User Feedback: Customers struggled to identify service icons and had to navigate into the beneficiary list before initiating a transfer.
  • Final Iteration: Icons were enlarged with improved visibility, and a direct Send button was introduced to reduce steps and speed up remittance actions.

BEFORE

Before

AFTER

After

3

Improving Menu Clarity and Accessibility

  • User Feedback: Customers found the More section difficult to scan due to small text and unclear separation between options.
  • Final Iteration: Font sizes were increased and separators were introduced to improve readability and make navigation more intuitive.

BEFORE

Before

AFTER

After

4

Making Rewards More Visible

  • User Feedback: Customers could not see earned incentives during currency calculation, reducing engagement and reward awareness.
  • Final Iteration: Incentives were added to the calculation screen to increase visibility and encourage customers to earn more points.

BEFORE

AFTER

5

Making Referrals More Clear and Rewarding

  • User Feedback: Customers lacked clear information about referral steps and benefits, reducing participation and awareness.
  • Final Iteration: The new screen introduced clear referral guidance, highlighted rewards, and added two sharing methods—QR code and URL—for easier referrals.

BEFORE

Before

AFTER

After

RESULTS

Improving Registration Speed and Customer Confidence

Following usability testing and iterative improvements, JRF Wallet delivered a smoother and more reliable onboarding experience. Registration completion increased by 31%, supported by simplified flows and NFC/OCR-powered data capture.

Customers reported faster registration with reduced manual input, while NFC verification significantly strengthened identity validation and minimized the risk of fake identity card usage. “Registration became faster and easier—I was able to complete verification and send money without unnecessary delays.”

Usability Test Participant

PROTOTYPE

Optimizing Screens for Better Usability

Enhancing Registration Speed Through Automation

View Prototype

FINAL THOUGHTS

By redesigning JRF Wallet, I simplified the remittance journey by introducing NFC/OCR-powered onboarding and reducing friction across registration, verification, and money transfer experiences.

Key Takeaways:This project reinforced the importance of designing for real customer challenges. Understanding the frustrations users face during registration, beneficiary setup, and remittance helped shape every design decision. Balancing business requirements with usability strengthened my ability to create efficient, user-centered financial experiences.

Future Enhancements:In future iterations, I would introduce AI-powered customer support to provide instant assistance and reduce dependency on manual support channels. I would also explore facial recognition authentication to create a faster and more secure login experience than traditional security codes.

What I'm Most Proud Of:I’m proud to have contributed to a solution that makes remittance more accessible and convenient for foreigners. By introducing NFC/OCR and simplifying key journeys, JRF Wallet helped customers register faster, reduce manual errors, and send money with greater confidence.