Andrey Schegolev
Andrey Schegolev Cyprus, Larnaca

Arival Bank (Web)

Send money review screen

Send money flow

The payment process was redesigned from the ground up to make it faster and easier to understand. The flow was simplified, the information architecture restructured, and the review stage made more intuitive to help users make confident decisions. Flexible options for recurring payments were added, along with a new timeline that clearly shows transaction details and status at every stage.

Goal

Over time, the one-time payment flow had become overloaded. Users faced repeated steps, a cluttered review screen, and limited control over recurring transactions. Transparency was also an issue, it was hard to tell where a payment stood or what came next. The goal was to streamline the flow, reduce time to completion, make statuses clearer, and introduce flexible recurring payment settings.

Result

The new flow became shorter, cleaner, and more predictable. Users completed payments faster and with fewer mistakes, while confusion during the review stage almost disappeared. This had a direct impact on support, the number of transfer-related questions dropped noticeably. Although specific numbers are under NDA, the overall completion time decreased, success rates improved, and support requests went down.

Personal challenge

The challenge was to turn a fragmented set of B2B requirements. Roles, access rules, approvals, limits into one simple, logical flow that works for both everyday users and complex business cases. Balancing clarity, flexibility, and compliance was key.

Workflow

  1. 1 Analysis of the current payment flow

    Feedback from users, stakeholders, and support helped identify bottlenecks and redundant steps. Analytics showed confusion during review and setup, and limited control over recurring transactions.

  2. 2 Defining goals and constraints

    The redesign focused on simplifying the one-time payment flow, improving clarity in the review stage, and introducing flexible recurring payment settings, all while staying compliant with business rules.

  3. 3 Design and prototyping

    The structure was rebuilt to group related fields and shorten decision paths. Interactive prototypes covered full end-to-end scenarios for both single and recurring payments.

  4. 4 Validation and iterations

    Designs were tested internally and with users. Feedback led to multiple refinements that improved flow logic, readability, and overall usability. All updates were aligned with the design system for consistency.

  5. 5 Handover to development

    Figma specs and detailed states were prepared for developers. Implementation was supported through design reviews and QA to ensure the final experience matched the intended design.

Design solutions

  1. 1 Consistent review and success screens

    A unified system of review and success screens was created for all money-related flows, including Receive Money, Invoices, and Internal Transfers. This consistency reduced maintenance costs and created a predictable experience across the product.

    Review and success screens
  2. 2 Recurring payments

    Recurring payments were redesigned with flexible settings. Users can now control frequency, total number of transactions, and amounts. Clearer visual feedback helps prevent errors and builds confidence.

    Recurring payments settings
  3. 3 Payment overview

    A new overview screen shows all recurring payments, including frequency, dates, and total amounts. It gives users full visibility and makes it easy to manage ongoing transactions.

    Recurring payments overview
  4. 4 Sidebar navigation

    A sidebar menu was introduced to display all steps of the process. It helps users stay oriented, reduces cognitive load, and makes multi-step flows easier to follow.

  5. 5 Transaction timeline

    Transaction details are now presented as a timeline that shows each payment’s history and current status. Over 40 statuses were unified into a clear, readable structure.

    Transaction timeline — incomingTransaction timeline — processingTransaction timeline — state
    Transaction timeline — full
  6. 6 UX improvements and microinteractions

    Interface details and microinteractions were refined to make the experience feel smoother and more polished. Subtle animations and consistent visual cues enhance the sense of quality and trust.

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