Zainpay
Reliable Wallet Infrastructure for businesses
Challenges and Opportunity
Embedding a wallet into a product or service presents numerous exciting possibilities. However, the practicality of constructing one from scratch is often unfeasible for many businesses. Aside from the substantial expenses associated with assembling the necessary technology infrastructure, development, and implementation, establishing an embedded wallet in-house would necessitate merchants transforming themselves into financial services entities, acquiring appropriate regulatory authorizations, and ensuring continuous compliance.
Contributions
Product Design
Brand Design
Marketing Design
Year
2021
Collaborators
1x Product Owner
1x Product Manager
2x Frontend Developer
2x Backend Developer
Research and Insights
To gain a better understanding of the challenges faced by businesses planning to integrate wallets into their products, those already operating embedded wallet services, and developers integrating APIs into applications, we categorized our target customers into two distinct segments: Developers and Merchants.
The Developers’ primary goal is to seamlessly integrate our APIs into their products, while the Merchants intend to utilize our product to facilitate payments from their customers.
In addition to this, I also examined various SaaS products, thoroughly examining their workflows and features.
Solutions
With data obtained from the user research, as well as feedbacks from testers, I came up with the following solutions;
Create a Wallet with Zero Code
Merchants have the capability to independently create a Zainbox, enabling them to initiate payment acceptance without the need for developer assistance. They can effortlessly set up and configure their Zainbox, allowing for the immediate receipt of payments.
Enable Smart Decision-Making
Merchants can gain valuable insights of the flow of funds in and out of their wallets. The dashboard also provides a comprehensive overview of all wallet activities within the application.
Automated Settlement and Reconciliation
Merchants can configure settlement operations by configuring settle options (T+1, T+7 & T+30), additionally merchants can split the transactions across multiple settlement accounts.
Enhance Payment Collection
We have developed a comprehensive payment gateway solution, encompassing various payment methods such as card payments, USSD transactions, and bank transfers. This solution is designed to enable merchants to receive funds seamlessly into their virtual accounts from their customers
Get Started with Building
Furthermore, i designed an API documentation microsite, specifically tailored to facilitate the seamless integration of Zainpay APIs into merchant applications. This resource simplifies the integration process for merchants, accommodating a wide range of programming languages and frameworks, thereby enhancing flexibility and ease of integration.
Marketing Website
I collaborated closely with the product manager to co-create the marketing website, with the goal of increasing product awareness and driving higher conversion rates.
Collaboration & Handoff
I collaborated closely with the engineering team by implementing a modular design approach. This approach involved breaking down the design into discrete components, thereby enhancing our ability to build and iterate efficiently. In addition, I crafted interactive prototypes and furnished comprehensive explanatory notes alongside the design screens to facilitate seamless implementation.
