My Role
Lead Product designer
Tools
Figma
Adobe Illustrator
Google docs
Timeline
2023 — 2024
Description
Piggyvest Business is the flagship B2B payment product of Piggyvest, designed to streamline financial operations for businesses of all sizes. As the lead product designer for this product, I was responsible for the end-to-end design and successful launch of the platform. The goal was to provide businesses with a seamless financial management tool tailored to their specific needs, including expense management, settlements, savings, and payments.
Managing a business involves multiple processes, tracking expenses, making and receive payments, saving, providing multiple channels for customer to make payments, invoicing clients, and receiving settlements etc. Before PiggyVest Business, many small and mid-sized businesses in Nigeria were relying on fragmented financial tools for this. Businesses used one bank for POS settlements, another for making expenses, another for receiving payments, another for saving and different tools for other financial operations. This disconnection leads to errors, delays, poor visibility into cash flow, and stunts business growth.
In addition, prior to Piggyvest business, we had a product called Patronise. It offered POS and digital payments, but users were asking us for more. We began receiving support tickets and feedback from merchants requesting more functionality beyond POS. A consistent narrative emerged;
Instead of building more features into an old foundation, we decided to rethink the entire experience. Not as a bank, Not as a savings tool. But as an operating system for money.
The challenge was addressing the fragmented financial workflows that most Nigerian businesses were managing across multiple platforms: invoicing, payments, transfers, expense tracking, savings, and more
We spoke to 10+ businesses across retail, fashion, logistics, and food. We watched how they used multiple tools. And we realized:
Money was coming in from multiple sources, but there was no clear picture of cashflow
Teams were doing repetitive tasks daily: sending transfers, requesting approvals, checking balances manually
Users wanted savings features that aligned with business goals not just storing money but growing it.
Staff had too little or too much access which was either too risky for teams and stressful for owners
PiggyVest Business stood out by integrating POS, savings, and payments into a unified, end-to-end system.
After analysing data from what we heard from businesses, We grounded our decision around four core Product goals:
Simplify complex financial workflows
Automate repetitive tasks
Improve cashflow visibility
Enable control, without sacrificing flexibility
Business Goals
Drive adoption of PiggyVest’s Business as a financial services as opposed to what we previously had (Patronize)
Increase savings retention from businesses
Standout with an all-in-one offering
Design Goals
Make complex features look simple
Prioritize Action Over Navigation:The interface has to be task-oriented. Fewer steps, Faster results
Build Trust Through Transparency: I designed every screen with errors and feedback in mind, so users always knew:
What just happened
What will happen next
What went wrong, and how to fix it
Treat empty states, edge cases, validation, confirmation as core UX
As the sole product designer working on this project, I owned design end-to-end. I had to do extensive personal research to understand the market i was building for, I also had to stay in constant alignment with the PM and engineers. This required setting up tight feedback loops, maintaining a design system in Figma, and making smart trade-offs that kept us moving fast without compromising quality.
One major constraint was balancing speed and quality. The team needed to launch quickly in response to business demand, but the product required thoughtful solutions for complex financial operations like bulk transfers, payment scheduling, and multi-account management. I adopted a lean design approach, prioritizing core features first and integrating edge case handling as we iterated. These design choices helped create a resilient and trustworthy financial tool without slowing down development.
Before diving into screen flows and interactions, I laid the foundation of the design by establishing reusable design components and visual style to ensure scalability and consistency across the product.
How I design Piggyvest Business to look and feel
Familiar and Focused
Modern, not flashy
Functional, yet human
We anchored the entire product around one simple idea: money needs mental containers. So every business on PiggyVest Business gets three default accounts:
Expense Account: For daily operations. Used to receive customer payments via POS or transfer, and make payments to suppliers or staff
Savings Account: Automatically earns 8% interest per annum. Allows businesses to plan for taxes, expansion, or emergencies.
Settlement Account: Dedicated to receiving POS settlements. Keeps operational revenue visible and separate from working capital.
Accounts can be renamed, Goals can be added, Funds can be moved instantly. But the structure gives clarity, from day one
Userflow for creating either an expense, savings or settlement account
Expense Account
Allocate funds for day to day company expenses.
Savings Accounts
To set aside business cash in a secure interest earning account
Settlement Accounts
To Receive settlements from Pos transactions
By separating account based on use cases, businesses could better track spending, have clear financial visibility as to inflows and outflows and allocate money across functions
Why I used colors to differentiate accounts and its UX Impact
Faster Recognition: Users can quickly differentiate between account types without reading labels—especially useful for businesses juggling multiple accounts
Reduced Errors: Color cues help prevent mistakes like initiating savings from an expense account.
Emotional Alignment: Each color psychologically supports the kind of decision-making users are expected to perform with each account
Scannability: When users view their dashboard or account summaries, the colors act as quick visual markers for focus and context
Scheduled One time and recurring Payments
Instead of manually logging in daily or weekly to pay the same people, Businesses could:
Set up recurring payments such as salaries, vendor payments, and subscriptions
Schedule one-off future payments
This reduced manual interventions, errors and saved time, especially for businesses with regular payroll or supply payments.
Bulk transfers with CSV uploads: because paying 10 people should take 2 minutes, not 20
For businesses needing to pay multiple they can
Send multiple payments at once, eliminating the need for manual, one-by-one transactions.
Upload a CSV with account numbers, amounts, and banks
System validated all entries and flagged errors
Users could fix issues inline or skip problematic rows
This Reduces processing time and improves efficiency in handling supplier and vendor payments.
Bulk Transfer user flow
Invoicing with Built-in Payments
Businesses can generate and send invoices directly from the platform with:
Business branding
Itemized Breadowns
Due Dates
Embedded payment Links for transfers
Invoices
Payment Approvals & Team Access Control
To reduce fraud and mistakes:
Staff had role-based permissions (e.g., Manager, Ops, Super Admin)
Transfers above a limit required approval from a higher role
Users received push/email notifications when actions needed review
Impact so far
Since soft launch in November 2024
Over ₦234M processed
Launched PiggyVest Business as a new B2B product line
Onboarded 100+ active businesses in the beta testing phase
Reduced reliance on multiple external tools by consolidating financial workflows into one app
Improved operational efficiency for users (faster payments, simpler reconciliation, clearer tracking of funds)
Processed over 300BN In transaction volume in 2025
