Project
As OCBC Bank accelerated its digital transformation, I led the experience design efforts across two key initiatives within its mobile banking ecosystem — a foundational overhaul of the OCBC PayAnyone (PAO) app, and the strategic redesign of its Overseas Transfers feature.
Together, these two efforts mark my transition from scaling a mobile product to sharpening its competitive edge through targeted feature redesign.
Role
Experience Design Lead (2017–2019)
Scope
About
Tazapay is a Singapore-based platform that enables secure B2B payments across borders, offering businesses a global network of currencies and payment methods. It focuses on emerging markets where traditional payment rails are slow, costly, or fragmented.
Project Overview
🧱 Part 1: Building the Foundation — OCBC PayAnyone
Initially launched as a simple peer-to-peer payment tool, PayAnyone needed to evolve into a full-fledged lifestyle app to meet rising expectations and regulatory pushes for digital payment adoption.
V1. Inherited a skeletal version of PayAnyone — minimal features, no clear hierarchy, and lots of room to grow
V2. Reimagined PayAnyone into a more intuitive, lifestyle-friendly experience — clearer hierarchy, richer flows, and a richer, livelier visual language”
Despite offering competitive rates, OCBC’s Overseas Transfer feature was underused. With fintech competitors like TransferWise gaining ground, the bank needed a user-centered redesign to stay relevant.
The team was tasked to redesign the service to retain and attract a wider customer base.
🛠 My Role
Defined new user journeys and pain points
Prototyped and tested improved flows
Established UI/UX principles that influenced future designs
Discovery
Through 14 interviews across 4 nationalities (Malaysia, Philippines, India, China), we discovered a deeper problem:
Wireframes & Redesign
Translated to design
Reflections & Learnings
Designing across both initiatives gave me a 360º perspective:
Challenge
Scaling a lifestyle app
Redesigning a niche feature
Balancing business asks
Learnings |
Think modularly; build for extensibility |
Get under the surface — not all problems are visual |
Use user research as your negotiation tool |
As PayAnyone expanded its features and partnerships, a key challenge was prioritizing initiatives across business teams. As the design lead for the overall experience, I had to ensure that changes were grounded in user needs — not just stakeholder requests.
By anchoring decisions in research, we were able to make informed tradeoffs and advocate for changes that improved the end-to-end experience. This allowed PayAnyone to evolve with clarity — integrating new payment partners while keeping the experience seamless and relevant, especially for a younger audience.
TIFFANY HO 2025