Niger splitpay
Project Overview
Niger SplitPay is a digital solution designed to make bill splitting and shared payments effortless for individuals and small groups in Nigeria and beyond. Whether dining out, paying rent with roommates, or contributing to group expenses, users can split, track, and settle payments instantly through one intuitive platform.
The project addresses a key financial challenge in Nigeria’s growing digital economy: the friction of managing shared expenses in a largely cash or transfer-based culture.
As the Product & UX/UI Designer, I designed the end-to-end experience from research and information architecture to interface design, prototype creation, and usability testing.
challenges and design goals
Challenges:
- Splitting payments often requires too many steps and manual reconciliation.
- Users feel uneasy when money tracking lacks transparency — issues of trust arise.
- Existing payment apps in Nigeria are strong on transfers but weak on group-native flows.
- Mobile performance and connectivity constraints in certain regions.
Design Goals:
- Enable users to create a split, add participants, and pay in 3 steps or fewer.
- Provide clear visual feedback and transparency on who owes what and who has paid.
- Design trust cues (receipts, confirmations, transaction history) to reduce anxiety.
- Ensure the UI is smooth and responsive even under slower network conditions.
Research Insight
I surveyed and interviewed 20 people in Nigeria who frequently share bills or group expenses (rent, dinners, gifts). Key insights:
- People often calculate splits manually (on paper or calculators) before sending money.
- They want automated reminders, not manual nudges.
- Visual clarity (who owes what) is critical confusion discourages usage.
- They trust UI cues: receipt animations, confirmation popups, color cues for settled vs unpaid.
I also benchmarked apps like Splitwise, Moniepoint, and Paystack to see how they handled group flows and UI cues.
Primary Persona
Name: Folake Adekunle
Age: 29
Occupation: Marketing Executive in Lagos
Use Case: Splits electricity, internet, meals, and rent with 3 roommates
Goals:
- Settle splits quickly and avoid awkward money talk
- View a tidy breakdown of contributions
- Use notifications and reminders without chasing people
Pain Points:
- Multi-step screens and getting lost mid-flow
- Unclear who hasn’t paid
- Lack of visual feedback or confirmation after payment
Information Architecture
I designed the flow to minimize friction and maximize clarity. Key screens:
- Home / Dashboard: shows active splits, pending items, and shortcuts
- New Split Flow: create → add participants → set amounts → share link → confirm
- Split Details Screen: list of participants, amounts, status (paid/unpaid)
- Payments / Settlement: integrated transfer or request money
- History / Activity: timeline of splits, payments, receipts
ui Design Approach
I chose a clean, modern design with subtle Nigerian flair.
- Primary palette: Tan / White, green accent, blue neutrals
- Typography: modern sans-serif for readability
- Layout: modular cards with clear spacing
- Visual cues: iconography, color states (green = paid, red = pending), animations for confirmations
Final Outcome
The final design presents a low-friction, trust-centered interface for splitting shared expenses.
Screens are optimized for speed, clarity, and emotional feedback reducing hesitation around money. The visual language and interactive elements reinforce confidence and usability.
Prototype
Reflection & Next Steps
What I Learned:
- In fintech, emotional safety is as important as usability users must feel trust.
- Microinteractions (receipt animations, status states) elevate confidence.
- Designing for low connectivity requires fallback strategies and lightweight UIs.
Next Steps:
- Expand to support group savings, lending features
- Add analytics dashboards for splits across time
- Localize for other markets (West Africa, East Africa) with UX adjustments
