Challenge
NYE needed one consumer surface that could hold prepaid wallet and RuPay Platinum card, UPI payments, NCMC transit, partner bank accounts, digital gold, and mutual funds — without reading like a pile of disconnected fintech features.
SaaS Products
NYE
A financial super app — payments, banking, and investments in one system
- Role
- Senior Manager UX
- Timeline
- Rapipay Fintech tenure
- Engagement
- Product design leadership
Approach
- 01
Framed the product as a financial operating layer for everyday money: spend, move, save, and invest — with security and compliance visible in the experience, not only in the fine print.
- 02
Designed payment journeys around Scan & Pay, UPI transfer, Autopay, and payment requests, with prepaid and NCMC states held in the same mental model.
- 03
Structured banking onboarding for Jana Savings and Current accounts as progress-led journeys, so unfinished account opening stayed recoverable instead of abandoned.
- 04
Brought investments into the same app grammar — digital gold vault and mutual fund baskets — so growth products did not feel like a second brand bolted on.
- 05
Kept trust cues close to money moments: biometric unlock, PIN recovery, and compliance signals (including PCI DSS / ISO framing) where users decide to continue.
Outcome
A live financial super app
NYE ships on the web and on iOS and Android as Rapipay’s consumer finance product — wallet, card, UPI, banking, and investments in one place.
Payments that hold transit
Prepaid and NCMC sit beside UPI actions, so metro and bus top-ups are part of the money system rather than a side utility.
Banking and invest in the same OS
Partner account opening, digital gold, and mutual funds share the product’s structure instead of splintering into separate apps.
Frames
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