Design for contactless payment

Digital and contactless payments have frictionless user experiences that inadvertently cause a disconnect from real-time financial reality. Without the physical tactile sensation of cash leaving a wallet, young consumers suffer from "frictionless overspending."

To introduce intentional, constructive cognitive friction into the digital payment flows of Gen Z and newly employed young adults. The goal was to emulate the psychological awareness of opening a physical wallet, prompting immediate financial consciousness prior to high-value transactions.

• Visual Identity & Brand System Design
• Cultural Research & Narrative Development
• Merchandise & Application Prototyping

Rather than disrupting low-value, day-to-day purchases, the solution strategically intercepts the existing Bank OTP (One-Time Password) authentication screen during big-ticket transactions. I redesigned this high-anxiety touchpoint into an informational dashboard utilizing two behavioral design interventions:

• Relative Valuation Metrics: Translating the absolute bank balance into context-aware metrics (e.g., visualizing the cost of the purchase relative to the user's most frequently purchased items).
• Comparative Data Visualization: Displaying a clean, high-level comparison of the current month’s spend against the previous month’s baseline right at the point of conversion to trigger reflective decision-making.

• Adobe XD (Interface Prototype)
• Adobe Photoshop (Images)
• Adobe Illustrator (Presentation Boards & Illustration)

A sophisticated application of behavioral economics to FinTech UX. By transforming a standard security screen into a valuable financial health touchpoint, the design mitigates impulse buying without introducing destructive user frustration.