FX Online Fintech B2B / B2C Currency Exchange Research-led Agile

exchange currency
without the fear.

Moving money across currencies is high-stakes and opaque, rates shift, fees hide, and one wrong field costs real money. I designed a foreign-exchange platform that makes the rate, the fee, and the outcome clear before you commit.

16,265
FX deals booked through the platform by May 2025.
Deals booked
262Mn
AED in revenue generated on the new FX Online platform.
Revenue (AED)
400+
RMs & Traders onboarded; 40% lift in perceived task clarity.
Users onboarded

live-platform figures reported by the business & stakeholders · as of May 2025

Case snapshot
Role

Sr. Product Designer — FX Online, Emirates NBD

Team

Team of 8 — architects, 4 backend, 2 frontend, me on design

Timeline

Sept 2024 – Apr 2025 · Dubai

Tools

Figma · usability testing

What I did

Designed a responsive FX deal-order platform for RMs and traders — research, the two-desk journeys, the rate-negotiation flow, dashboards, login and edge cases.

Impact

16,265 deals booked and 262Mn AED in revenue reported on the platform by May 2025; 400+ RMs and traders onboarded.

Constraints

Live rates that move every millisecond, a 90-second booking window, and audit & compliance requirements across two desks.

01 · Context

rates that move
every 90 seconds.

At Emirates NBD, Relationship Managers and Treasury negotiate foreign-currency deals where the market rate updates every millisecond. The job was to simplify a brutally complex, time-pressured system, so RMs and Traders could agree a rate and book a deal with confidence, fast.

Platform Internal FX negotiation & booking Users Relationship Managers · Traders · Treasury Constraint live rates · 90s rate window · audit & compliance
02 · Problem

no one trusted the
rate.

01

Hidden true cost

The headline rate wasn't the real cost, fees appeared only at the end.

02

Rates that move

Quotes changed mid-flow, leaving users unsure what they'd actually pay.

03

Irreversible & scary

Transfers can't be undone, but the UI gave no confident final review.

04

Inconsistent across devices

Mobile, tablet and desktop each behaved differently.

the signal · user interviews
how do I know this is the real rate?
SMEsIndividualsCross-border payers
Trust in the quoted rate, not features, was what made or broke a transfer.
03 · The shift

from guesswork
to a clear quote.

A cross-border transfer, the core task. Before vs. after the redesign.

↳ Before - the guessing game
1
See a headline rate with no fee breakdown
2
Enter amount & recipient, hope the rate holds
3
Discover fees only at the final step
4
Submit with no clear summary of total cost
5
Wait, unsure what will actually arrive
anxious & opaque
↳ After - the clear quote
Rate and fee shown together, upfront
Locked rate with a visible countdown
Exactly-what-arrives shown before you commit
Confident final review, then send
clear & calm
04 · Process

designed for
confidence.

Research the real anxieties, prototype the transparent flow, and validate it sprint by sprint.

voices from research

I never know if the rate I see is the rate I'll actually get — by the time I confirm, it's moved.
SME · cross-border payer
Once I hit send, the money's gone. I want to see exactly what lands before I commit.
Individual · first-time transfer
The headline rate looks great — until the fees show up at the very last step.
Cross-border payer
01 User interviews 02 Journey + cost-clarity mapping 03 Wireframes & flows in Figma 04 Responsive design system 05 Usability testing 06 Agile delivery with engineering

Show total cost upfront

Rate, fee and final amount together, so the user decides with full information.

bury fees until checkout

It nudges conversion short-term but destroys the trust the whole product depends on.

find the real fear

Interviews showed the blocker wasn't speed, it was not trusting the rate and fearing hidden fees.

artifact journey + anxiety mapwith product + compliance

prototype the transparent quote

Designed a quote that shows rate, fee and exact amount received together, with a locked-rate countdown.

explored quote & review UItool Figma

validate with real users

Usability-tested the transparent flow vs. the old one, faster transfers and far higher trust in the rate.

method moderated testingresult faster + trusted

ship a responsive system

Delivered a responsive design system so the flow stayed consistent across mobile, tablet and desktop.

delivered 300+ screenswith engineering, agile
05 · Solution

the clear quote,
made visible.

From the dense legacy trader terminal to one clear deal-order canvas, verify the client, see rate, margin & profit together, and book before the 90-second window closes.

legacy Refinitiv FX trading terminal FX Online
before · Refinitiv terminal
after · FX Online

drag to compare ⇆

06 · The flow

the deal order,
step by step.

01

start the trade

The RM opens a clean deal-order canvas, setup on the left, live amounts and rate on the right.

02

verify the client (CIF)

One tap confirms the customer and pulls their details, no re-typing what the bank already knows.

03

rate, margin & profit, together

Market quotes, post-margin rates and the live booking countdown, all in one confident view.

04

rate timed out? refresh, don't panic

When the 90-second rate expires, a clear timeout state lets the RM refresh instead of guessing.

07 · Design decisions

guardrails on a
high-stakes screen.

special rate screen
1Inline guardrail: a special margin beyond the RM's authority (DOA) warns immediately, before submit, not after.
2Client identity stays pinned at the top so the RM never loses context mid-negotiation.
3A live market-quotes table makes the rate logic legible instead of hidden in a back-end.
08 · Screens

the full picture.

deal order · empty
verify CIF
rate + countdown
rate timeout
special rate · guardrail
06 · Impact

what changed,
three ways.

For the user
Trust up

Users see the true cost upfront and complete transfers faster, with confidence.

For the business
Fewer drop-offs

Transparency at the quote reduced abandonment at the scary final step.

For the org
One system

A responsive design system kept the experience consistent on every device.

"Good fintech design isn't flashy, it's a person sending money abroad and knowing, with total certainty, exactly what will arrive."
- The principle behind the platform
07 · Beyond the Figma file

I shipped trust, not just screens.

A responsive design system and transparent-quote patterns, documented and handed to engineering, so cost-clarity held across every device and future flow.

Accessibility was built into the system — AA-contrast tokens, clear focus states and legible numerals for amounts and rates — so the quote stayed readable and trustworthy for everyone.