Boosting Activation: 22% more
“Get Started” clicks

ZEN.COM - One banking account for many currencies.

ZEN.COM - One banking account
for many currencies.

Role: UX/UI Designer
Timeline: soft-launch cohort (1–14 May 2021)
Measurement: public launch cohort (15–31 May 2021).
Project Type: Simplifying global payments for businesses
Scope: End-to-end user journeys, financial dashboards, real-time payments
Tools Used: Sketch, Notion, Miro, Maze, Hotjar, Google Analytics
Team: Product Owner, Front-end Developer, Back-end Developer
Deliverables: Hi-fi Framer prototype of the PL-market homepage, Component library

One page. Full payment solution. Zero confusion. How? 😏

Easy. You don’t bore people with buzzwords. You guide them with friendly language, clear structure, and just enough “a-ha!” moments 💡 to make them forget they’re learning about financial infrastructure (gasp!).

🎯 Create an onboarding experience people don’t dread. Let’s be real — most onboarding feels like reading tax instructions in a dentist’s waiting room. So we ditched the jargon, torched the flowcharts, and went full Natural Language: Conversational. Approachable. Even compliance feels... kinda okay?

🛠️ Work Done (a.k.a. The UX Secret Sauce™)

🔍 Competitive & User Audit. We peered over the fintech fence at Revolut, Wise, and Payoneer. Their layout formula? Hero → Key Benefit → Social Proof

🎙️ Qualitative Interviews: We didn’t guess — we asked. Loudly. And often.

Stakeholder sessions included:

💬 Customer Service: “Where’s the help when users panic?”
🧑‍💻 Developers: “Let’s keep it stable. No more midnight alerts.”
⚖️ Legal: “Compliant. Always. Even when no one’s looking.”
📊 Product: “Make it measurable and loveable.”
📣 Marketing: “We want conversion - and goosebumps.”
🧭 PM/PO: “Give us the insights. We’ll roadmap the rest.”

🔑 Key Takeaways.

Lead with pain relief: “Tired of hidden fees?”. It’s the fintech equivalent of "We need to talk." - gets attention every time.

Build instant trust: License badges, press logos, encryption icons = the tuxedo of UX credibility 🔐

Chunk the complexity. Break features into rhythmic flows: Wallet → Cards → Transfers → Integrations. Smooth like a curated playlist. Users don’t even realize they’re learning 🎶

Easy. You don’t bore people with buzzwords. You guide them with friendly language, clear structure, and just enough “a-ha!” moments 💡 to make them forget they’re learning about financial infrastructure (gasp!).

🎯 Create an onboarding experience people don’t dread. Let’s be real — most onboarding feels like reading tax instructions in a dentist’s waiting room. So we ditched the jargon, torched the flowcharts, and went full Natural

Language: Conversational. Approachable. Even compliance feels... kinda okay?

🛠️ Work Done (a.k.a. The UX Secret Sauce™)

🔍 Competitive & User Audit. We peered over the fintech fence at Revolut, Wise, and Payoneer. Their layout formula? Hero → Key Benefit → Social Proof

🎙️ Qualitative Interviews: We didn’t guess — we asked. Loudly. And often.

Stakeholder sessions included:

💬 Customer Service: “Where’s the help when users panic?”
🧑‍💻 Developers: “Let’s keep it stable. No more midnight alerts.”
⚖️ Legal: “Compliant. Always. Even when no one’s looking.”
📊 Product: “Make it measurable and loveable.”
📣 Marketing: “We want conversion — and goosebumps.”
🧭 PM/PO: “Give us the insights. We’ll roadmap the rest.”

🔑 Key Takeaways.

Lead with pain relief: “Tired of hidden fees?”. It’s the fintech equivalent of "We need to talk." — gets attention every time.

Build instant trust: License badges, press logos, encryption icons = the tuxedo of UX credibility 🔐

Chunk the complexity. Break features into rhythmic flows: Wallet → Cards → Transfers → Integrations. Smooth like a curated playlist. Users don’t even realize they’re learning 🎶

Why We chose natural language?

NLP isn’t just about teaching computers to read - it’s about teaching them to *read between the lines* 👀🧠

It’s a potent blend of computational linguistics, rule-based modeling, statistics, machine learning, and deep learning - all shaken into one big brainy smoothie 🧋⚡

And the result?

A system that sees your message and quietly goes:

“Hmm... they wrote ‘I’m fine’ with three dots, no emoji, and a passive-aggressive tone. We have feelings to decode.”

Basically, we’re training machines to understand language like a human — the kind of human who once took a linguistics class, skipped the emotions lecture, but still judges your punctuation 😏

User journey

We designed navigation and personalized features that actually do stuff - like smart transaction categorization (because no one wants to label coffee receipts at 10 p.m.), effortless expense tracking, and payment flows so smooth they practically run themselves.

A seamless, low-drama banking experience that feels custom-built for busy business clients — because spreadsheets and stress are so last season.

🧪 Testing, Tweaking, Winning

We ran two rounds of usability testing (10 + 12 users - just enough to catch chaos before it scales).

Real tasks. Real reactions:

• Sign up with a promo code (because discounts = dopamine)

• Top up like a boss

• Order a physical card (wallet flex included)

• Log in/out - minus the meltdown

• Swap currencies without sweating

• Review transactions like Sherlock

• Try cashback (because: free money)

• Add card to Apple Pay, no manual required

What we found 👇

• Clean UI + friendly visuals? Big hit.

• The jingle? Divisive. Mute button = instant peace.

• OTP auto-fill + errors = confusion sparks

• Cashback terms needed plain English, not legalese

• Transaction history was hiding

• Card ordering + top-ups = smooth, but labels needed clarity

The Impact

Quick iterations, real improvements.

Onboarding went from “ugh” to “ohh, this is nice.”

And yes - users noticed.

🔥 What I Learned

Test the toggles. High-volume users want pricing that fits - not guesses.

Show, don’t tell. Break out Integrations into full-on case study pages.

Speak their language. Literally. Localize hero copy for every key market.


Test the toggles. High-volume users want pricing that fits — not guesses.

Show, don’t tell. Break out Integrations into full-on case study pages.

Speak their language. Literally. Localize hero copy for every key market.

Test the toggles. High-volume users want pricing that fits — not guesses.

Show, don’t tell. Break out Integrations into full-on case study pages.

Speak their language. Literally. Localize hero copy for every key market.

Santander

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BMW

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Santander

Zen.com

BMW

Ferrero

Wedel

Sector 3.0

Samsung

WWF

The 3E System

Procter & Gamble

Credit Agricole

Santander

Zen.com

BMW

Ferrero

Wedel

Sector 3.0

Samsung

WWF

The 3E System

Procter & Gamble

Credit Agricole

© 2025 Made with ❤️ by Katarzyna Bobrowska

© 2025 Made with ❤️ by Katarzyna Bobrowska

© 2025 Made with ❤️ by Katarzyna Bobrowska

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