Moomi
Moomi
Moomi
B2B mobile app to help Africans perform seamless financial transactions
B2B mobile app to help Africans perform seamless financial transactions
B2B mobile app to help Africans perform seamless financial transactions
Overview
Overview
Overview
Moomi is a user-centric fintech platform designed to empower Africans to perform seamless local and cross-border transactions with zero added charges. The goal is to remove financial barriers by providing an intuitive, accessible interface for sending, receiving, and managing money, while fostering trust, speed, and transparency in every transaction.
Moomi is a user-centric fintech platform designed to empower Africans to perform seamless local and cross-border transactions with zero added charges. The goal is to remove financial barriers by providing an intuitive, accessible interface for sending, receiving, and managing money, while fostering trust, speed, and transparency in every transaction.
Moomi is a user-centric fintech platform designed to empower Africans to perform seamless local and cross-border transactions with zero added charges. The goal is to remove financial barriers by providing an intuitive, accessible interface for sending, receiving, and managing money, while fostering trust, speed, and transparency in every transaction.
Role
Role
Role
UX/UI Designer
UX/UI Designer
UX/UI Designer
Timeline/Duration
Timeline/Duration
Timeline/Duration
3 Weeks
3 Weeks
3 Weeks
Tools
Tools
Tools
Figma, Google Doc, Grammarly
Figma, Google Doc, Grammarly
Figma, Google Doc, Grammarly
Problem
Problem
Problem
Many Africans face high transaction fees, limited cross-border payment options, and a lack of trust in digital financial platforms. These barriers discourage usage and limit financial participation across the continent. Traditional solutions are often complex, expensive, or simply unavailable to a wide user base.
Many Africans face high transaction fees, limited cross-border payment options, and a lack of trust in digital financial platforms. These barriers discourage usage and limit financial participation across the continent. Traditional solutions are often complex, expensive, or simply unavailable to a wide user base.
Many Africans face high transaction fees, limited cross-border payment options, and a lack of trust in digital financial platforms. These barriers discourage usage and limit financial participation across the continent. Traditional solutions are often complex, expensive, or simply unavailable to a wide user base.
Solution
Solution
Solution
Moomi simplifies financial transactions by offering a no-fee, secure, and inclusive digital platform. With a clean and intuitive interface, users can
Send and receive money effortlessly,
Save money with target planner,
Pay bills and track expenses.
Moomi simplifies financial transactions by offering a no-fee, secure, and inclusive digital platform. With a clean and intuitive interface, users can
Send and receive money effortlessly,
Save money with target planner,
Pay bills and track expenses.
Moomi simplifies financial transactions by offering a no-fee, secure, and inclusive digital platform. With a clean and intuitive interface, users can
Send and receive money effortlessly,
Save money with target planner,
Pay bills and track expenses.
Secondary Research
Secondary Research
Secondary Research
I conducted secondary research to uncover the biggest challenges Africans face with the traditional banking services and online financial institutions. I reviewed several online reseorces and a few insights stood out:
Africa's Unbanked Population: According to the World Bank, over 57% of Sub-Saharan Africans remain unbanked.
Mobile Money Adoption: Platforms like M-Pesa and Flutterwave show that mobile-first solutions thrive when tailored to local needs.
Trust in Fintech: Studies show users demand transparency, customer support, and clear fee structures.
High Remittance Fees: Average transaction fees in Africa range from 6% to 9%, much higher than global averages.
I conducted secondary research to uncover the biggest challenges Africans face with the traditional banking services and online financial institutions. I reviewed several online reseorces and a few insights stood out:
Africa's Unbanked Population: According to the World Bank, over 57% of Sub-Saharan Africans remain unbanked.
Mobile Money Adoption: Platforms like M-Pesa and Flutterwave show that mobile-first solutions thrive when tailored to local needs.
Trust in Fintech: Studies show users demand transparency, customer support, and clear fee structures.
High Remittance Fees: Average transaction fees in Africa range from 6% to 9%, much higher than global averages.
I conducted secondary research to uncover the biggest challenges Africans face with the traditional banking services and online financial institutions. I reviewed several online reseorces and a few insights stood out:
Africa's Unbanked Population: According to the World Bank, over 57% of Sub-Saharan Africans remain unbanked.
Mobile Money Adoption: Platforms like M-Pesa and Flutterwave show that mobile-first solutions thrive when tailored to local needs.
Trust in Fintech: Studies show users demand transparency, customer support, and clear fee structures.
High Remittance Fees: Average transaction fees in Africa range from 6% to 9%, much higher than global averages.
Primary Research
Primary Research
Primary Research
To better understand user needs, frustrations, and expectations, a survey was conducted among working-class individuals aged 18–35 who have prior experience with digital financial platforms and have encountered challenges while using these services.
To better understand user needs, frustrations, and expectations, a survey was conducted among working-class individuals aged 18–35 who have prior experience with digital financial platforms and have encountered challenges while using these services.
To better understand user needs, frustrations, and expectations, a survey was conducted among working-class individuals aged 18–35 who have prior experience with digital financial platforms and have encountered challenges while using these services.
Key Findings
Key Findings
Key Findings
Primary Frustrations
High Transaction Fees: 82% of respondents cited hidden or excessive fees as a major issue.
Slow Processing Times: 67% reported delays with transactions, especially cross-border payments.
Poor Customer Support: 58% expressed dissatisfaction with the lack of real-time support when issues arise.
Complex User Interfaces: 41% struggled with navigation or understanding how to use some app features.
User Expectations
Zero or Low Fees: The majority want transparent, no-fee transactions.
Speed & Reliability: Fast and dependable money transfers were ranked as top priorities.
Intuitive Design: Users prefer clean, minimal interfaces with simplified processes.
Security & Trust: 76% of respondents indicated that data protection and transaction transparency are non-negotiables.
Desired Features
Budget tracking and expense summaries (64%)
Multi-currency support and exchange rate transparency (51%)
AI-powered customer assistance (48%)
Social payment features (send/request money with contacts) (42%)
Primary Frustrations
High Transaction Fees: 82% of respondents cited hidden or excessive fees as a major issue.
Slow Processing Times: 67% reported delays with transactions, especially cross-border payments.
Poor Customer Support: 58% expressed dissatisfaction with the lack of real-time support when issues arise.
Complex User Interfaces: 41% struggled with navigation or understanding how to use some app features.
User Expectations
Zero or Low Fees: The majority want transparent, no-fee transactions.
Speed & Reliability: Fast and dependable money transfers were ranked as top priorities.
Intuitive Design: Users prefer clean, minimal interfaces with simplified processes.
Security & Trust: 76% of respondents indicated that data protection and transaction transparency are non-negotiables.
Desired Features
Budget tracking and expense summaries (64%)
Multi-currency support and exchange rate transparency (51%)
AI-powered customer assistance (48%)
Social payment features (send/request money with contacts) (42%)
Primary Frustrations
High Transaction Fees: 82% of respondents cited hidden or excessive fees as a major issue.
Slow Processing Times: 67% reported delays with transactions, especially cross-border payments.
Poor Customer Support: 58% expressed dissatisfaction with the lack of real-time support when issues arise.
Complex User Interfaces: 41% struggled with navigation or understanding how to use some app features.
User Expectations
Zero or Low Fees: The majority want transparent, no-fee transactions.
Speed & Reliability: Fast and dependable money transfers were ranked as top priorities.
Intuitive Design: Users prefer clean, minimal interfaces with simplified processes.
Security & Trust: 76% of respondents indicated that data protection and transaction transparency are non-negotiables.
Desired Features
Budget tracking and expense summaries (64%)
Multi-currency support and exchange rate transparency (51%)
AI-powered customer assistance (48%)
Social payment features (send/request money with contacts) (42%)
Jobs to Be Done (JTBD)
Jobs to Be Done (JTBD)
Jobs to Be Done (JTBD)
Based on the findings, four keys jobs were uncovered which allowed me to identify user pain points.
Key Jobs
When I want to send money to family in another country, I want a platform that doesn’t charge extra fees, so I can maximize the value they receive.
When I’m budgeting my income, I want to easily view my transactions and set spending limits, so I can take control of my finances.
When I have an issue with a transaction, I want to reach support quickly, so I can resolve it without stress.
When I use a new financial app, I want a simple onboarding process, so I feel confident using the platform.
Based on the findings, four keys jobs were uncovered which allowed me to identify user pain points.
Key Jobs
When I want to send money to family in another country, I want a platform that doesn’t charge extra fees, so I can maximize the value they receive.
When I’m budgeting my income, I want to easily view my transactions and set spending limits, so I can take control of my finances.
When I have an issue with a transaction, I want to reach support quickly, so I can resolve it without stress.
When I use a new financial app, I want a simple onboarding process, so I feel confident using the platform.
Based on the findings, four keys jobs were uncovered which allowed me to identify user pain points.
Key Jobs
When I want to send money to family in another country, I want a platform that doesn’t charge extra fees, so I can maximize the value they receive.
When I’m budgeting my income, I want to easily view my transactions and set spending limits, so I can take control of my finances.
When I have an issue with a transaction, I want to reach support quickly, so I can resolve it without stress.
When I use a new financial app, I want a simple onboarding process, so I feel confident using the platform.
Competitive Analysis
Competitive Analysis
Competitive Analysis
To position Moomi effectively in the African fintech space, a comparative review was conducted on three popular platforms: Chipper Cash, Opay, and PalmPay.
To position Moomi effectively in the African fintech space, a comparative review was conducted on three popular platforms: Chipper Cash, Opay, and PalmPay.
To position Moomi effectively in the African fintech space, a comparative review was conducted on three popular platforms: Chipper Cash, Opay, and PalmPay.
Chipper Cash
Chipper Cash
Chipper Cash
Strengths: Strong cross-border transaction support, no transfer fees, and crypto features.
Weaknesses: UI can feel overly complex to new users; slow customer service response times.
Notable Features: Dollar card, investment options, and free intra-app transfers.
Strengths: Strong cross-border transaction support, no transfer fees, and crypto features.
Weaknesses: UI can feel overly complex to new users; slow customer service response times.
Notable Features: Dollar card, investment options, and free intra-app transfers.
Strengths: Strong cross-border transaction support, no transfer fees, and crypto features.
Weaknesses: UI can feel overly complex to new users; slow customer service response times.
Notable Features: Dollar card, investment options, and free intra-app transfers.
Opay
Opay
Opay
Strengths: Wide adoption in urban Nigeria, supports bill payments, ride-hailing, and savings.
Weaknesses: Cluttered interface due to multiple services; users often report app lag.
Notable Features: Cashback offers, agent network, physical debit card integration
Strengths: Wide adoption in urban Nigeria, supports bill payments, ride-hailing, and savings.
Weaknesses: Cluttered interface due to multiple services; users often report app lag.
Notable Features: Cashback offers, agent network, physical debit card integration
Strengths: Wide adoption in urban Nigeria, supports bill payments, ride-hailing, and savings.
Weaknesses: Cluttered interface due to multiple services; users often report app lag.
Notable Features: Cashback offers, agent network, physical debit card integration
Palmpay
Palmpay
Palmpay
Strengths: Clean interface, strong onboarding incentives, and fast transfers.
Weaknesses: Hidden fees and occasional failed transactions with delayed reversals.
Notable Features: Reward points system, referral bonuses, utility payments.
Strengths: Clean interface, strong onboarding incentives, and fast transfers.
Weaknesses: Hidden fees and occasional failed transactions with delayed reversals.
Notable Features: Reward points system, referral bonuses, utility payments.
Strengths: Clean interface, strong onboarding incentives, and fast transfers.
Weaknesses: Hidden fees and occasional failed transactions with delayed reversals.
Notable Features: Reward points system, referral bonuses, utility payments.
Sitemap
Sitemap
Sitemap
I created s a sitemap map to help me effectively create the app structure and make sure key features are accessible and intuitive.
I created s a sitemap map to help me effectively create the app structure and make sure key features are accessible and intuitive.
I created s a sitemap map to help me effectively create the app structure and make sure key features are accessible and intuitive.
Wireframe
Wireframe
Wireframe
Wireframes played an important part in bringing the design to life. Creating low fidelity wireframes gave me freedom to pay around with different layouts that allowed all primary features to be fully accessible.
Wireframes played an important part in bringing the design to life. Creating low fidelity wireframes gave me freedom to pay around with different layouts that allowed all primary features to be fully accessible.
Wireframes played an important part in bringing the design to life. Creating low fidelity wireframes gave me freedom to pay around with different layouts that allowed all primary features to be fully accessible.
Brand Design
Brand Design
Brand Design
The Moomi brand is built to reflect trust, simplicity, and modern financial empowerment. Its visual identity uses clean typography, a calming yet vibrant color palette, and intuitive iconography to communicate clarity and approachability. Every design element—from logo to interface—emphasizes accessibility, helping users feel confident and in control of their finances across all touchpoints.
The Moomi brand is built to reflect trust, simplicity, and modern financial empowerment. Its visual identity uses clean typography, a calming yet vibrant color palette, and intuitive iconography to communicate clarity and approachability. Every design element—from logo to interface—emphasizes accessibility, helping users feel confident and in control of their finances across all touchpoints.
The Moomi brand is built to reflect trust, simplicity, and modern financial empowerment. Its visual identity uses clean typography, a calming yet vibrant color palette, and intuitive iconography to communicate clarity and approachability. Every design element—from logo to interface—emphasizes accessibility, helping users feel confident and in control of their finances across all touchpoints.
High Fidelity Design
High Fidelity Design
High Fidelity Design
With the layout established and the branding completed, creating the high fidelity screens were prtty straightforward. I used icons to provide visual cues to all basic functions allowing for a seamless experience. I used soft complementary colors to enable different key functions stand out .
With the layout established and the branding completed, creating the high fidelity screens were prtty straightforward. I used icons to provide visual cues to all basic functions allowing for a seamless experience. I used soft complementary colors to enable different key functions stand out .
With the layout established and the branding completed, creating the high fidelity screens were prtty straightforward. I used icons to provide visual cues to all basic functions allowing for a seamless experience. I used soft complementary colors to enable different key functions stand out .
Iterations
Iterations
Iterations
While the Client was satisfied with the initial designs, upon further review, I made some changes to some key screens to improve the experience and also bring it inline with modern trends.
While the Client was satisfied with the initial designs, upon further review, I made some changes to some key screens to improve the experience and also bring it inline with modern trends.
While the Client was satisfied with the initial designs, upon further review, I made some changes to some key screens to improve the experience and also bring it inline with modern trends.
Home Screen
Home Screen
Home Screen
Initially, the balances were displayed in very prominent scrollable cards. However, to avoid having too many colors on UI, I simplified the balance display and introduced drop down to enable users navigate through their balances.
Initially, the balances were displayed in very prominent scrollable cards. However, to avoid having too many colors on UI, I simplified the balance display and introduced drop down to enable users navigate through their balances.
Initially, the balances were displayed in very prominent scrollable cards. However, to avoid having too many colors on UI, I simplified the balance display and introduced drop down to enable users navigate through their balances.
Before
After
Savings Target
Savings Target
Savings Target
The initial savings target page did not display completed targets, which limited users’ sense of fulfillment from tracking their progress. In the updated version, I also replaced the “Add Target” button with a floating action button to reduce cognitive load and improve visual clarity.
The initial savings target page did not display completed targets, which limited users’ sense of fulfillment from tracking their progress. In the updated version, I also replaced the “Add Target” button with a floating action button to reduce cognitive load and improve visual clarity.
The initial savings target page did not display completed targets, which limited users’ sense of fulfillment from tracking their progress. In the updated version, I also replaced the “Add Target” button with a floating action button to reduce cognitive load and improve visual clarity.
Before
After
Conclusion
Conclusion
Conclusion
This project was extremely rewarding. It felt like a personal endeavor, as it addressed a pain point that affected both my peers and me. I look forward to seeing the project go live and to making future iterations that will further enhance the user experience.
This project was extremely rewarding. It felt like a personal endeavor, as it addressed a pain point that affected both my peers and me. I look forward to seeing the project go live and to making future iterations that will further enhance the user experience.
This project was extremely rewarding. It felt like a personal endeavor, as it addressed a pain point that affected both my peers and me. I look forward to seeing the project go live and to making future iterations that will further enhance the user experience.
Let’s work
together
Let’s work
together
ovokewilson@gmail.com
Wilson Agbalagba
Wilson Agbalagba
Wilson Agbalagba
© Designed and Developed with
by Wilson Agbalagba