Pay directly from your mobile banking app
PAY BY BANK APP FROM MASTERCARD
Project summary
Role
Senior Product Designer
Industry
Payments / Open Banking / Financial Services
Responsibilities
Product discovery
User journey mapping
UX design
UI design
Prototyping
Stakeholder workshops
Developer collaboration
Usability testing
Sales demos to partner banks
The challenge
As Open Banking adoption increased, Mastercard wanted to provide merchants with a simpler alternative to traditional card payments.
The challenge was designing a payment experience that allowed customers to securely authorise payments directly through their banking app while maintaining trust, reducing friction and supporting a wide range of banks, devices and merchant integrations.
The experience also needed to satisfy the security and regulatory requirements associated with Open Banking while remaining intuitive for everyday users.
My approach
I worked closely with product managers, engineers and Mastercard stakeholders to understand the payment ecosystem, identify friction points and simplify the end-to-end payment journey.
The design process included:
Mapping the complete payment flow
Identifying customer drop-off points
Designing authentication journeys
Creating responsive interfaces
Producing interactive prototypes
Validating concepts through usability testing
Supporting engineering through implementation
Design principles
Every design decision focused on three objectives:
Build confidence during payment
Reduce unnecessary steps
Create a consistent experience across merchants and financial institutions
Rather than exposing technical Open Banking concepts, the interface guided customers through familiar, predictable interactions that reduced cognitive load and increased trust.
Outcome
The solution enabled customers to complete secure account-to-account payments directly from their banking app while giving merchants access to a faster, lower-cost payment method.
Business impact
Delivered a scalable Open Banking payment experience
Reduced friction in the checkout journey
Barclays and HSBC signed up as partners
What I learned
Designing financial products requires balancing usability, security and regulatory requirements without overwhelming users.
This project reinforced the importance of reducing complexity in high-stakes payment journeys while maintaining the trust customers expect when moving money.
