Unifying Cross-Border Business Accounts to Streamline Financial Management
Product Design
UI/UX Design
To address this challenge, I worked as a Design Researcher alongside a Product Manager and Designer to develop a unified account management solution.
Due to the confidentiality of the project I cannot disclose much information and process in this space.
The consolidated account addresses both cross-border financial management challenges and the complexities faced by companies with multiple horizontal businesses. Without a centralized company account structure, organizations encounter several critical operational issues:
Reconciliation Challenges Companies must manually download individual reports from each account, creating significant workflow inefficiencies. When reports are pulled at different times, transaction histories become misaligned between accounts, compromising financial accuracy.
Administrative Burden Organizations either require multiple administrators to manage separate accounts, or rely on single administrators who must carefully navigate between different account access points. This becomes particularly problematic during time-sensitive issues like customer refund processing.
Access Management Inefficiencies Current systems lack centralized credential and access management, forcing users to repeatedly log in and out when switching between accounts. This creates friction for teams with diverse roles—including finance teams, integration specialists, and product managers overseeing Xendit payment gateway integrations—who need varying levels of account access.
Operational Impact These inefficiencies compound into broader organizational challenges that affect both internal workflows and customer service delivery.
Research
I begin each project by facilitating alignment workshops to establish clear goals and define the value proposition we aim to deliver to customers. Once objectives are clarified, I transition to the concept development phase, where I design research strategies to uncover new insights and validate existing assumptions.
User Research Approach
I conducted user research with existing Xendit customers who operate multiple accounts to understand their pain points and requirements. The research employed a mixed-method approach combining in-depth interviews with concept testing.
Research Structure
Each 60-minute session was divided into two phases:
- 30-minute interview: Exploring current customer workflows, challenges, and needs
- 30-minute concept testing: Evaluating proposed solutions through interactive design concepts
Concept Testing Approach
I presented participants with early-stage UI concepts for the company account feature set. These concepts served as discussion catalysts, helping uncover specific user requirements and validate core assumptions about the desired functionality.
Outcomes
We design a new dashboard where the user who have the access to this dashboard can have the ability to access and dowload all the information of the company’s transaction. The user who usually handled this access are head of finance or c-levels.
Version 1: A list-based layout displaying total account balance, individual account breakdowns, and transaction history showing money inflows and outflows.
Version 2: The same information presented with graphical data visualization.
Research Findings The majority of customers expressed a preference for both formats, each serving different use cases in their workflow.
Design Solution Based on this insight, we redesigned the balance page to include a toggle feature, allowing users to switch between list and graph views according to their immediate needs.
Credit:
Xendit Regional Experince Team
Design Researcher:
Wigy R
Product Manager:
Gerald Lee
Product Designer: Timothy M