FINTECH
Modernizing digital remittance for one of the biggest banks in the Philippines.
COMPANY
Talino Venture Studios
BayaniPay
ROLE
Lead Product Designer
EXPERTISE
UI/UX, Design Audit, Design System
YEAR
2023
Background
Remittances account for almost 10% of the Philippines’ GDP. BDO Unibank is one of the commercial banks that generates the largest overseas Filipino remittances.
At the start of the pandemic in 2020, there was a decline in remittances sent to the Philippines and BDO Remit’s non-digital process prevented remitters from using their services.
The goal is to create a digital process for BDO Remit customers to use to successfully remit money in a convenient, safe, and secure manner.
Understanding the users
User Behaviors
Users send remittances to support family in the Philippines.
They stay closely connected to Filipino communities.
Falling in line to fill in forms.
Concerns go through either provided bank email address or bank on site.
When do remittances happen
Every payday (bi-weekly or monthly)
Christmas & New Year
Back-to-school season (May–June)
Family events (birthdays, milestones)
Emergencies (medical, natural disasters)
User needs
Fast and reliable transfers
Low and transparent fees
Easy-to-use interface
Secure and trustworthy platform
What did we do?
We streamlined and digitized the registration process for BDO Remit — faster, simpler, and user-friendly.
How can we design a process that complies with legal requirements and protects user security?
Gathering BDO's required information through their official forms
Implementing identity verification using Veriff
Listing all necessary user information for account setup
Documenting competitor onboarding flows and user reviews
Designing an onboarding process based on the most efficient user journey
Driving product exposure and feedback through partner-aligned events.
Usability testing
Conducted usability tests post-launch to enhance UI and streamline user experience in preparation for the next release.
