Designing global payments integration for Businesses

Bani is a payment gateway that allows merchants (businesses) to accept payment in Africa easily using mobile money, crypto, cash payments and third-party wallet services.

Platform

Web & SDK

Role

Founding Product Designer

Year

2022

project image

Background Story

Due to global pandemic 2020 & 2021, Most businesses in Africa went digital, ranging from the social media vendors, to small and large scale businesses. Today as a customer you either visit their website or probably hit them up on their socials to get their business services.

According to the State of B2B Payments in Africa report, more than 1,000 business owners from Kenya, Nigeria, South Africa, and Egypt surveyed, cited these features as the driving force for their digital payments read more.

The problem is businesses find it very difficult to collect and manage global payments (crypto, mobile money, bank transfer e.t.c) from customers and these led to businesses regression

Contribution

User research, Design leadership, User Flow, Visual Design, Design systems, Interactive prototyping and user testing

DESIGN GOAL

To design a Web App experience for businesses to accept global payments from customers easily and seamlessly.

OUTCOME

Designed and launched of the first version of Bani Web and SDK, which is serving over 300,000 businesses and customers globally. Bani successfully processed over over 100k transactions and a total of 293M Naira (GBP 532k) in TTV ~ total transaction volume with 3 month

User Research

In this research, the goal was to gather insight and understand how businesses' currently accept digital payment from their customer? and to discover their pain point and troubles in accepting payment from their customers.
I carried out my research by recruiting over 20+ merchants that have running businesses, some were social media vendors, restaurants and ran other store businesses. We (Myself & Product Manager) were able to interview them, to get insights about their experience when it comes to collecting payments from their customers.

Key Insight

After the interview session with merchants (business owners), we were able to identify some similar problems regards payment collection.

  • Businesses have difficulty in delayed payment

  • 75% of business owners struggle in managing and sending multiple orders to customers

  • Capturing transaction details from multiple customers

  • 90% of business owners made mention of No multiple choice of payment

Interview session with some business owners

Interview session with some business owners

Discussing and generating ideas from findings...

After analyzing and gathering all insight from merchants we interviewed. We (myself, product manager & other stakeholders) had series of meetings, to have a well-defined goal, generate a hypothesis and to this led the Product Manager in creating and documenting a well-structured PRD that highlighted major features that was built for the MVP.

At this point after generating ideas and hypothesis, We decided to categories these ideas into section which included:

Then we made use of IMPACT + EFFORT method to prioritise features that was in the categories. We made use of the IMPACT + EFFORT method because the business doesn't want to spend so much effort on a feature that would be less impactful for the MVP, knowing that Bani growing business we focus our energy on more impactful features.

Key Solution - Some prioritised features

  1. Payment Widget

  2. Wallet - (Swap, add and Withdrawal)

  3. Customers, Products and Order creations

  4. Transaction records

Some idea generating session (IMPACT + EFFORT)

Some idea generating session (IMPACT + EFFORT)

Information Architecture

Based on the insight and defined features needed for Bani, I created an high-level IA for the web app, putting all use-cases in mind. This was approved after series of iteration conducted to ensure we were simplifying processes for merchants.

Some idea generating session (IMPACT + EFFORT)

Exploring Solution

Payment widget (Customers)

“Ensuring any business to easily and seamlessly collect alternative payments from their customers”

We designed payment widget that consists of multiply payment options. Now customers can select any payment option displayed to easily make payment to businesses

Some idea generating session (IMPACT + EFFORT)

Wallet (Businesses)

For wallet module, businesses can now receive and store their money from different currency and also have the ability to add wallet, withdraw, and swap.

Some idea generating session (IMPACT + EFFORT)

Merchants can send, schedule and manage orders

The purpose of the order module was to ensure businesses can create orders for their customers easily and send to them a link to pay via Bani Payment widget

Some idea generating session (IMPACT + EFFORT)

Learning and Takeways

This product was a very interesting product to work on, being the first and sole designer in a team of 5 engineers, made me understand how communication is very important when It comes to collaboration. I learnt meeting Users need is the key to drive a business forward.

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Victor Onazi

I’m currently available for new opportunities and freelance projects . Let’s talk if you are looking for digital product designer.

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