INDUSTRY:
FINTECH / REMITTANCE
COMPANY
NANOPAY
YEAR:
2023-2025
ROLE
UX DESIGN, FRONT-END
Foree Remittance
I led the end-to-end design of Foree Remittance, a cross-border money transfer product for Canadians sending money to Pakistan. Foree was built on nanopay's payment infrastructure and positioned as a modern alternative to wire transfers: faster, cheaper, and more transparent. I owned design from initial user research through the core transfer wizard through to shipped product.
challenge.
The global remittance market is evolving rapidly, with a growing need for efficient and user-friendly solutions. While local money transfers have been brought into the 21st century with products like Interac e-Transfer and Zelle, foreign remittances are still difficult to navigate. Foree was born out of a recognition for the need of a remittance solution that utilises the advancements in local remittances and brings them to the global stage. I talked to 6 Pakistani-Canadian adults aged 25-40 during research and ran competitive analysis across Remitly, Western Union, Wise, and bank wire transfers. Four pain points came up consistently.
Pain Points using Conventional Money Transfer
High costs: Sending money across borders through international wire transfers and remittance services often incurs high fees, placing a financial burden on end users.
Slow transactions: Traditional cross-border payments may take several days or even weeks to finalize, posing challenges for users in need of swift transactions.
Opaque processes: Conventional banking systems can lack transparency, making it difficult to monitor transaction status or comprehend the associated fees.
Complicated regulatory landscape: Maneuvering through the intricate network of international regulations can be overwhelming.
Persona
The original confirmation screen had a green checkmark and said "Your transfer is in progress." Users read it as done. The cash-in step — the action needed to actually fund the transfer — was sitting below that success state as a secondary element, and most people closed the wizard before completing it.
User testing came back with this:
"I didn't understand what I needed to do when I reach the success screen."
"I don't understand what Cash-in means, I thought I was done."
"Source account said my name but I never entered my account information."
process.
I contributed to all design work: user research, persona development, information architecture, interaction design, and visual design across mobile and web. Initially I worked closely with the PM and engineering team to navigate backend constraints around the Interac e-Transfer integration, which had direct UX implications.
Information Architecture
I mapped the full transfer wizard flow, landing page, account management, contact management, and transaction history before touching high-fidelity screens. The transfer wizard was the most complex part: it involved Interac authentication, recipient management, live exchange rate display, and schedule configuration across multiple decision points.
The IA work surfaced a problem early. The Interac cash-in step was technically required after the user had confirmed the transaction in Foree's system, but users would expect payment to feel like one action. That sequencing mismatch became the central design challenge of the project.
key design decisions.
The Interac Cash-In Problem
This was the most consequential design problem on the project. Foree used Interac e-Transfer as its funding rail, which meant users had to complete a separate step in their bank's app after confirming in Foree. The apps are separate.
The initial design showed a "Your Transfer is in Progress" screen with a "Complete Cash-In" link. User testing showed the problem immediately. Users thought they were done. The green checkmark and "in progress" language gave false confidence. 3 out of 6 test participants closed the app before completing the Interac step. Their transfers were never processed.
First iteration: I reframed the screen as "Awaiting Funds..." with a spinner and step-by-step instructions. Better, but users found "awaiting" anxiety-inducing. It felt like something had gone wrong.
Final version: a screen titled "One more thing..." with the Interac logo, a single call to action ("Complete Transfer Now"), and clear secondary language explaining the transfer won't process until this step is done. "More" signals continuation rather than failure. The Interac logo provides immediate context. "Complete Transfer Later" acknowledges that some users will come back to it, and links directly from the transaction detail view.
Post-change, zero participants abandoned before the Interac step.
Exchange Rate Display
Users needed to trust the exchange rate before confirming a transfer, but rates fluctuate. I designed a prominently displayed live rate (1.00 CAD = X.XX PKR) with a full transaction breakdown showing what gets converted, the fee (Foree's $0 fee was a key differentiator), and the final debit amount. Every number visible before you commit. This wasn't just a transparency value, it was how you build trust with users who've been burned by hidden fees before.
Dashboard
The home screen led with the live exchange rate front and centre. This was a deliberate hierarchy decision: the exchange rate is the first thing a user checks before deciding to send money. Making it the first thing they see reduced steps to transfer initiation and anchored the product in what it was actually good at.
Brand Direction
Foree's visual direction was kept distinct from nanopay's corporate palette. A green-forward identity, nodding to both money and Pakistani natural imagery, with a two-tone FR mark that worked across app icons and loading states. The product needed to feel trustworthy and warm. A remittance product is about sending support to family, not executing a financial transaction.
results.
Foree shipped as a functioning remittance product. The "One more thing..." screen became a reference internally for how language and framing can work around a technical constraint without an engineering fix.
Final user testing revealed excited and happy users as well:
“This is an easy to use app with a quick setup and navigation. Clean layout for an average user like me. The rates on this app are the best so far I have got on any remittance platform. You can quickly link your Canadian bank account and transfer is fast.”
“The best exchange rate available for CAD to PKR. Easy to.use interface with simple to follow steps! Great addition to the remittance apps”
