Digipay “Simplifying shared payments between friends”

Digipay is a peer-to-peer fintech app offering a range of everyday financial services. In this project, I focused on designing the “Split the Bill” feature, a solution that helps users divide shared expenses, track payments, and settle balances without friction. The goal was to improve the experience of managing group expenses, a common yet often frustrating part of social life.

Company: Digipay | 2025-2026

Industry: B2C | Fintech

As the product designer for DigiPay’s ''Split the bills'' feature, I led the process from problem definition to validation. I conducted research, designed user flows and high-fidelity prototypes, and aligned user needs with business goals to create a clear, low-friction group payment experience.

What is the problem?

Who experiences this problem?

Why This Problem Matters?

When shared payments are difficult to manage, users experience stress, loss of trust, and friction in relationships. A poorly handled payment experience can turn a simple social moment into an uncomfortable one reducing confidence in digital payment solutions.

Design Goals

Bussiness Goals

Research Phase

I interviewed active DigiPay users to understand how shared payments happen in everyday situations. By synthesizing observations through affinity mapping, clear patterns emerged. The main challenges were social rather than technical, forgetfulness, unclear payment status, and discomfort around reminders. These insights shaped the feature’s priorities and interaction design. I interviewed active DigiPay users to understand how shared payments happen in everyday situations. By synthesizing observations through affinity mapping, clear patterns emerged. The main challenges were social rather than technical, forgetfulness, unclear payment status, and discomfort around reminders. These insights shaped the feature’s priorities and interaction design.​

Drag

Pain points

After conducting interviews with users, I realized that the main sources of frustration are:​

  1. Forgetting Payments😕: Payments are delayed due to forgetfulness.
  2. Lack of Accountability😶‍🌫️: No clear tracking of who has paid.
  3. Manual Process😵‍💫: Sending requests is tedious and time-consuming.
  4. Social Discomfort🫣: Asking for money feels rude to users.


Benchmark

Next, I conducted a benchmark analysis of the Split Payment feature across Revolut, Klarna, PayPal, and Splitwise, comparing ease of use, key features, user experience, and usability.​

User Journey

To better understand the dynamics of shared payments, I mapped journeys for both the person paying the bill and those transferring money, highlighting pain points and opportunities for clarity and ease.

Ideation Phase

Impact-Effort Matrix​

I started by noting down my ideas and organizing them in an Impact-Effort Matrix to prioritize those with high impact and low effort for maximum efficiency.

Criteria

Then, I assessed each feature based on user value, feasibility, business impact, user adoption, and cultural sensitivity, rating each as high, medium, or low to determine its overall viability.

Automated Reminders and Notification