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ams. design

Santander

Payment hub

About

Santander aimed to redefine the payment experience in their brazilian app, by integrating all payment methods into a single hub, so then customers could have a more enjoyable and seamless payment experience.

Product Managers:
Rafaela Calheiros, Fernanda Joris
Product Designers:
Amanda Oliveira, Bruno Araújo, Vinícius Dourado and Maiara ​

Service Designers:

Pietra Gutierrez​​ & Júlio Lira

Problem
In Brazil, we have many different payment methods, which can often confuse users. Although PIX is the most widely used, in certain situations, such as for freelancers or large transfers, other payment methods are recommended. The way these methods were presented was not providing clarity for the user.
Solution
Create a self-explanatory payment hub that includes all available payment methods in one place. The main motivation is for the hub to provide clarity to the user about which payment method works best for their needs.
My role
We started the project together as a big team with benchmarking, mapping the existing app, and initial brainstorming sessions. During the screen development phase, the team was divided into two groups. I was responsible for the home, onboarding, and batch payment flows, focusing on designing screens and creating new components for the design system.

We began with a detailed analysis of both physical and digital banks. Evaluating their apps and payment process UX was key, helping us identify 24 potential features for the new Hub.

 

After several workshops with the Santander team, 9 services were prioritized and developed, some of which are in the next slides.

Physical banks

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Online banks

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Payment Hub

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Other features

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We saw before a quick explanation of six (represented as the full red circles) from the nine services we implemented on the payment hub, here are all of them:

Payment Hub

Microcredit to cover expenses

Batch payment

Scheduled
and recurring payments via open finance

Open Finance onboarding

Payment management with Santander and payment reminders

New environment for managing transaction limits and flexible transaction limit reductions

Payments between different modalities

Checkout Santander

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