Pay, Receive & Split Money

The app helps you to do International Wire Transfer, Bill Tracker, and social payments

Simin Gu
6 min readJan 3, 2022


Backstory: I wanted to learn how to create consumer apps because I work for a company that makes B2B applications. To develop my abilities as a B2C designer, I set a monthly objective of creating an actual app. For this project, I was in charge of the research, information architecture, and user interface, as well as copywriting and user testing.

Target User

To create this app, I focused on immigrants who came to the United States to study and subsequently worked in software companies. Their way of life consists of hanging out with friends and eating out, sending money to family members around the world, and dividing rent with their buddies.


Competitor research

I began by assessing the competitors’ markets using the LEMERS technique.

The main takeaway from all of the apps is that if the app handles international wire transfers, it does not have a light experience for social payments and vice versa. So, for our app, I wanted to make the experiences more enjoyable.

User Research & Analysis

During my research, there are so many problems people mentioned about their financial management Here are some Insightful Quotes

When I try to send money from China to the United States, it’s hard to figure out all the fees.

One of my biggest concerns is getting to know all of my goddamn subscriptions.

When I share payments with pals, I really enjoy using the venmo emoji.

When I can’t get the splitted rent from each of my four friends, it’s a real pain in the neck!

Problem and Opportunity

As a way to make sure this project was properly scoped, I used the MoSCoW Method to decide which features should be the most important.

where are paper sketches, flow diagrams, and sticky notes? There are so many better design tools now that I can quickly make a mockup in Figma, so let’s start with the screens instead of going thorugh my random sketches haha


I thought of each problem in terms of a real-world scenario so that I could design a flow based on the real use case scenario when I came up with the flow.

Version 1

The initial version tried to show to the digital wallet balance and all the those use information.

User Testing Feedback

A lot of people said that they were scared by how much information there was on the first screen. The second screen is fun to use, but it’s still not easy to see how much money you’ll have to pay for transactions and conversions.

“When I look at it, it doesn’t look like a fun app to play with.”

Version 2

As a result of the feedback from version 1, I tried to cut down on the number of things on the screen and show more visualizations. I also added a link to learn more about transaction fees.

User Testing Feedback

They said it looks much simpler but worried about the card is on the front based and find that not useful. They really liked the traction fees link but still not clear they can click and get to know more details

“I don’t want to view my balance because I can check it in my banking app.”

Final Version

Based on the feedback, I decided to reconsider totally shifting the app’s aim to be more enjoyable rather than just another banking app. Making all the transaction fees more transparent to the user.

Challenge 1: Selecting a bunch of friends

One of the main pain points of people mentioned during my interview was selecting people. So initially I tried to reuse the iOS share sheet but soon I realized that iMessage doesn’t support the feature of selecting multiple users. SO the second version I tried was displaying all the users from my contacts with the top users featured on the top but the downside of this version is that we can’t able to select a whole group of people.

So in the final version, I decided to combine both individuals and group selection

Challenge 2: Sending Money screen

I assumed I could reuse the screen we had for international wire transfers, but based on my user testing, I discovered that many users considered this page to be less pleasant to use and heavier. The possibility of splitting the money, in particular, is excessively veiled.

“The ability to split the money is buried, which is a major function I’m searching for.”

Final Version

For the user selection section, I choose to demonstrate the iMessage sync here. Users may expand a group to pick a single person or all of the individuals, and they can even select individual users.

As you can see, I made the sending experience more enjoyable by allowing users to input a bunch of emojis, which will automatically generate a cover using Memojis and emojis.

When a user adds a group of individuals to a request, the app will provide them the choice to split the request evenly or proportionately.

Let’s take a look at one of the user quotations, where the hardest part is splitting the rent and handling the subscriptions.

When I can’t get the splitted rent from each of my four friends, it’s a real pain in the neck!

Initial Drafts

Initially, I imagined that I could display the graph with each month’s subscription and all of the subscriptions that consumers had in a horizontal scroll.

However, during user testing, I discovered that the user was overwhelmed by the graph and found it difficult to scroll horizontally across all of the subscriptions.

The second problem was that it was unclear how much each of my buddies owed me.

Final Version

I chose to categorize the subscriptions depending on their timeliness and the overall amount they pay on subscriptions. When a user decides to divide the rent with their pals, displaying a charming little data visualization will assist them to comprehend how much each of them will pay. The technological aspect of this is more crucial and novel in that, even though you are paying the $4500, the $1500 will be automatically deducted from each of your friends’ accounts.

Lesson Learned

This project was both a terrific learning experience and a difficult task to complete.

The most essential thing I learned is to present the most relevant information first, rather than all the features and functionalities, which is really different from what I used to do with my B2B apps. And…all that’s there is to it for now!



Simin Gu

Product Designer |