TTFCX – Delivering cross-border payments

Project Overview –

  • UI/UX Designer
  • UX research
  • Designed the entire app and website
  • Product vision
  • 1 Front-end developer
  • 1 Back-end developer
  • 1 User researcher
  • 1 Product managers
  • 6 months

TTFCX Background

Problem Statement

Access to forex in Nigeria has always been a huge problem, it has become increasingly difficult for businesses and students studying abroad to access the funds they need for their fees and upkeep because of the FX shortage in the country as many commercial banks now take a much longer time to process FX demands due to the limited allocation from the Central Bank. The present policy does not allow individuals to buy foreign currency. directly from the Central Bank too.
TTFCX seeks to bridge this gap for businesses and consumers by providing a platform that allows verified users to make global payments, by simply providing their local currencies or stablecoins

My Approach

Who are we building for?


John is a middle-aged business owner who deals in the import and export of agricultural products. He is also a father of university-age children.


He wants to comfortably process international business deals as well as pay his children’s international school fees from Nigeria.

Pain points

Banks are not willing to give Raphael the forex needed to run his business and to pay his children’s tuition and living expenses in the United Kingdom.


Ama is a 22 year old fashion blogger based in Nigeria who frequently shops from international brands and retailers.


She wants to be able to shop for her fashion and beauty products seamlessly and spontaneously.

Pain points

She has a monthly 30 USD limitation on her Nigerian debit card which limits her from making payments.

Research Insights

Some of the insights gathered from secondary research, competitive analysis, and interviews with user personas, helped me narrow down my priorities into the following:

People often use such platforms without vast fintech experience, so the app should be as simple and intuitive as possible, for both experienced users and newcomers.

For an application like this, a lot of verification and compliance checks have to be put in place for a complete sign-up process, and to prevent churn, users must be carried along and told why every step is important.

Easy navigation enabling the users to easily move around the platform and immediately find what they need is of utmost importance.

There must be adequate reassurance for users in terms of funds security.

Usability Testing & Iteration

I made sure to test my design prototypes throughout the design process. I mostly used Maze for this, and this helped me uncover any downsides of my designs long before development began.
Some key changes made after usability testing included:

Allowing users initiate new transactions not just from wallets, but also from transaction history, to beneficiary lists.

Including toast alerts in addition to regular notifications.

Challenges & Lessons

Engineers/Developers were constantly being changed on the project so it delayed the delivery of designs as it took a while to understand the constraints of each person while designing. To combat designing something that couldn’t be built, I was always communicating with engineers early on to see if features were easily implementable and to simplify potential features that would take too much time to complete.

Due to the nature of the product, I had to prioritize security over user experience in some instances.

Next Steps

An MVP and a Version 2 product have been launched, and I am currently in a product maintenance phase with my key focus being improving usability based on user feedback and continuing to fix and manage usability issues that occur.

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