eFAWATEERcom Bill Payments

I designed Jordan's national bill payment service for web, iOS and Android, in two languages.

Fintech and Bill Payments · Website, Web App and Mobile App · Jordan

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eFAWATEERcom

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eFAWATEERcom Bill Payments

I designed Jordan's national bill payment service for web, iOS and Android, in two languages.

Fintech and Bill Payments · Website, Web App and Mobile App · Jordan

·

eFAWATEERcom

Scroll to explore

var(--variable-lVkmgb23s)

Scroll to explore

eFAWATEERcom Bill Payments

I designed Jordan's national bill payment service for web, iOS and Android, in two languages.

Fintech and Bill Payments · Website, Web App and Mobile App · Jordan

·

eFAWATEERcom

var(--variable-lVkmgb23s)

eFAWATEERcom Bill Payments

I designed Jordan's national bill payment service for web, iOS and Android, in two languages.

Fintech and Bill Payments · Website, Web App and Mobile App · Jordan

·

eFAWATEERcom

Scroll to explore

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PROJECT OVERVIEW

CLIENT

eFAWATEERcom

MY ROLE

Design Lead, via Plexable

SCOPE

User flows, wireframes and final UI for the website, the web app and the iOS and Android apps, in Arabic and English

VALIDATION

Clickable prototypes built from the linked wireframes, walked through before any final UI was drawn.

TIMELINE

January 2017 to late 2017

TEAM

Delivered through Plexable with the eFAWATEERcom team

The context

eFAWATEERcom is Jordan's national bill payment service. A payment on it passes between the user, a biller and a bank, each with its own rules and limits.

The business requirements from January 2017 asked for two things: simplicity for the user, and a convenient user interface.

My responsibility

The whole design job was ours, from the first flow diagram to the last screen state.

Plexable ran it as fintech product design work.

Design decisions on all four surfaces sat with me, and Plexable carried the engagement with the client.

That meant naming a thing once and keeping it named, so a bill type reads the same on a phone and in a browser.

01

What I owned

What each step asks for, the order the steps come in, and what the screen does when a rule blocks one.

01

What I owned

What each step asks for, the order the steps come in, and what the screen does when a rule blocks one.

02

How I led

By making the hard cases the starting point. If a step had a rule attached, that rule got designed before the finished look of the screen.

02

How I led

By making the hard cases the starting point. If a step had a rule attached, that rule got designed before the finished look of the screen.

CONSTRAINTS & TRADE-OFFS

Nothing here could be designed away. The money leaves a bank, the amount comes from a biller, and both set terms the screens have to honour.

Payment limits were the other fixed part. A bank decides what can move, so a refusal had to sit inside the path rather than end it.

01

The constraint

The confirmation step belongs to the bank, not to the app. An SMS has to arrive before money moves, and the design can only make that wait make sense.

01

The constraint

The confirmation step belongs to the bank, not to the app. An SMS has to arrive before money moves, and the design can only make that wait make sense.

02

The trade-off

Length against certainty. An inquiry and a code add taps, and I kept both, because the amount is known before anything is paid.

02

The trade-off

Length against certainty. An inquiry and a code add taps, and I kept both, because the amount is known before anything is paid.

● RESEARCH & CONTEXT

Reading the rules before the screens

Reading started with the client's requirements, which set out the banks, the billers, the ID checks and the payment limits behind a payment.

None of those were mine to simplify away. The job was to find where each one bites, and what the user sees when it does.

● PRODUCT DECISIONS

Bilingual type and a colour per bill

Type carries two scripts. Roboto sets the English and Helvetica Neue Arabic sets the Arabic, both light, with the amounts in bold.

Colour does the sorting. The green of the eFAWATEERcom leaf holds headers and buttons, and each bill type gets a colour, blue for water.

01

Flows and Wireframes

We mapped every flow and its error cases first, then reviewed them with the eFAWATEERcom team.

01

Flows and Wireframes

We mapped every flow and its error cases first, then reviewed them with the eFAWATEERcom team.

02

The Mobile Apps

Native iOS and Android designs for sign in, My bills, inquiry, payment, prepaid top ups and the profile.

02

The Mobile Apps

Native iOS and Android designs for sign in, My bills, inquiry, payment, prepaid top ups and the profile.

03

Website and Web App

A new public site with billers and support pages, and a web app with the same bills and history as the apps.

03

Website and Web App

A new public site with billers and support pages, and a web app with the same bills and history as the apps.

● PRODUCT ARCHITECTURE

One system on web and mobile

Four surfaces run one short path: find the bill, check the amount, choose a bank, confirm the code.

Each screen has an Arabic twin, mirrored for right to left reading, so the structure had to hold up flipped.

● PROCESS & EVIDENCE

Each step carries a planned error state. A wrong code shows the tries left, and too many attempts start a timer.

A bank that cannot take several bills at once says so on the screen where the person tried it.

01.

Inquire Before You Pay

Pick a category, a biller and a service, and see the amount due before paying.

04.

Citizens and Residents

Jordanians and non-Jordanians sign up with different IDs, so registration asks for nationality first and adjusts the fields.

02.

Pay From Your Bank

Choose a bank and an identifier, then confirm with the code the bank sends by SMS.

05.

My Bills

Saved bills sit in one list by type, with a red tag on any bill that is due and a Due bills tab beside it.

03.

No Card Needed

Few people in Jordan pay with credit cards, so the app takes the money from a bank account.

06.

Bills That Come Back

A saved bill is checked on its own, and the app sends a notification when a new one is issued.

01.

Inquire Before You Pay

Pick a category, a biller and a service, and see the amount due before paying.

03.

No Card Needed

Few people in Jordan pay with credit cards, so the app takes the money from a bank account.

05.

My Bills

Saved bills sit in one list by type, with a red tag on any bill that is due and a Due bills tab beside it.

02.

Pay From Your Bank

Choose a bank and an identifier, then confirm with the code the bank sends by SMS.

04.

Citizens and Residents

Jordanians and non-Jordanians sign up with different IDs, so registration asks for nationality first and adjusts the fields.

06.

Bills That Come Back

A saved bill is checked on its own, and the app sends a notification when a new one is issued.

01.

Inquire Before You Pay

Pick a category, a biller and a service, and see the amount due before paying.

02.

Pay From Your Bank

Choose a bank and an identifier, then confirm with the code the bank sends by SMS.

03.

No Card Needed

Few people in Jordan pay with credit cards, so the app takes the money from a bank account.

04.

Citizens and Residents

Jordanians and non-Jordanians sign up with different IDs, so registration asks for nationality first and adjusts the fields.

05.

My Bills

Saved bills sit in one list by type, with a red tag on any bill that is due and a Due bills tab beside it.

06.

Bills That Come Back

A saved bill is checked on its own, and the app sends a notification when a new one is issued.

01.

Inquire Before You Pay

Pick a category, a biller and a service, and see the amount due before paying.

03.

No Card Needed

Few people in Jordan pay with credit cards, so the app takes the money from a bank account.

05.

My Bills

Saved bills sit in one list by type, with a red tag on any bill that is due and a Due bills tab beside it.

02.

Pay From Your Bank

Choose a bank and an identifier, then confirm with the code the bank sends by SMS.

04.

Citizens and Residents

Jordanians and non-Jordanians sign up with different IDs, so registration asks for nationality first and adjusts the fields.

06.

Bills That Come Back

A saved bill is checked on its own, and the app sends a notification when a new one is issued.

USER FLOWS

ABOUT ME

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REGISTRATION

ABOUT ME

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SIGNING IN

ABOUT ME

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BILLS AND INQUIRY

ABOUT ME

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IN THE BROWSER

ABOUT ME

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OLD SITE TO NEW SITE

ABOUT ME

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THE PUBLIC SITE

ABOUT ME

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WHEN IT GOES WRONG

ABOUT ME

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DESIGN SYSTEM

ABOUT ME

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USER FLOWS

ABOUT ME

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REGISTRATION

ABOUT ME

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SIGNING IN

ABOUT ME

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BILLS AND INQUIRY

ABOUT ME

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IN THE BROWSER

ABOUT ME

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OLD SITE TO NEW SITE

ABOUT ME

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THE PUBLIC SITE

ABOUT ME

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WHEN IT GOES WRONG

ABOUT ME

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DESIGN SYSTEM

ABOUT ME

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OUTCOMES

A full design handover

In late 2017 we handed over the final UI and UX files for every flow on iOS, Android and the web app. Each screen came in Arabic and English.

No flow was left as a sketch for somebody else to finish.

1,270

Screens and states

In the final iOS, Android and web app files.

4

Platforms

iOS, Android, a web app and the public website.

2

Languages

Arabic and English, mirrored screen by screen.

WHAT I’D IMPROVE

What I would do differently

I would build a named component set first. At 1,270 screens and states, consistency came from care rather than from a library anyone could check.

I would write every error state into one list before drawing them. The same failure should read the same way on a phone and in a browser.

WHAT I LEARNED

What it taught me

Local payment habit beats an imported pattern. A product that takes money from a bank account needs a different shape from one built around a card.

Mirroring is structural, not a translation job. A layout that works in English can fall apart once it reads right to left.

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