AI DESIGN FOR FINTECH

the impact

(In progress — early results or projections)

Projected to reduce payment errors by 40% by surfacing the right payment type first.
Expected to decrease support tickets around ACH vs. Wire confusion by 30%.
Early stakeholder feedback: “This is the most intuitive money-movement entry point we’ve seen.”
Prototype demos used in sales calls to attract enterprise clients.

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Project Breakdown

A smarter, faster way to move money in business banking.

Designed an AI-powered Payment Assistant to help users choose the right payment method (ACH, Wire, RTP, FX) based on behavior, history, and context.
Aimed to reduce user friction and prevent errors by surfacing the most relevant options and streamlining decision-making.
Built for business banking clients who regularly move large sums through complex workflows.

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Users often struggled to choose the right payment type—especially when speed, cost, and international limits varied.

Sales teams reported frequent confusion around options like RTP vs. ACH vs. Wire.

Inconsistent behavior across existing payment pages led to mistakes and delays.

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Interviewed internal stakeholders (sales, support, analysts) to identify top pain points.
Analyzed user behavior and drop-off patterns using Pendo data.
Benchmarked interfaces from Truist, US Bank, and other fintechs with unified payment flows.

Designed a centralized payment landing page with a smart assistant embedded.
Built an AI-driven decision flow that surfaced the best payment types based on intent and context.
Included a mini questionnaire for complex use cases to guide recommendations.
Integrated fallback paths to ensure users retained control and transparency.

A unified "Make a Payment" entry point with smart routing.
Payment Assistant auto-suggests the optimal method based on:
- Speed requirements
- Transfer limits
- Destination (domestic vs. international)
- User history and behavior patterns
Users can override suggestions and compare options with inline guidance.
Designed for both desktop and mobile use, with accessibility in mind.

my role

Led product design for the AI-powered payment assistant.
Conducted research into user pain points, payment workflows, and AI-assisted interactions.
Created user flows, interaction models, and responsive UI components.
Collaborated with product, data, and engineering teams to align on logic, constraints, and feasibility.

By blending AI with thoughtful UX, the Payment Assistant simplifies a complex decision space.

It guides users without limiting control—balancing automation with transparency.

The design lays the foundation for scalable AI assistance across all payment workflows.