Reimagining Everyday Banking with gomoney.global

Impact

Launched gomoney from scratch, a digital bank built for Nigeria’s underbanked Gen Z

1,200+ signups in 6 months, 2,000 monthly active users by month 18 months

Processed ₦1B+ in transactions

Reduced onboarding drop-off and increased trust via human-centered design

My role

Research and insights

98%

Nigeria has over 180M underbanked citizens, many of whom are young, mobile-first, and fed up with exploitative traditional banks. Legacy institutions offer little innovation, charge excessive fees, and provide no real credit infrastructure for Gen Z.

Problem statement

How might we offer a better banking experience — one that solves real financial problems with low to no fees and helps people feel in control of their money?

I led end-to-end product design in a cross-functional team:

Defined product goals with PMs.

Designed and tested onboarding, core money features, and trust-building interactions.

Delivered engineering-ready designs.

Collaborated weekly with engineers, researchers, and marketing.

We interviewed 62 participants across Nigeria to uncover financial pain points.

cited excessive charges as a major frustration

In 6 months

220

60%

wanted better visibility into spending

lacked access to mobile banking

40%

were open to switching to a digital bank

From this, we focused our MVP around trust, transparency, and affordability.

Features I worked on

Designed copy and flows that emphasized free, easy, and trustworthy banking.

A/B tested onboarding screens — personalization and clear value messaging performed best.

Achieved 10/10 direct success rate in user tests.

Suggested integrating Google Maps for accuracy.

Added manual fallback after learning some addresses weren’t listed.

Balanced tech reliability with accessibility.

Split Costs

Moved beyond equal splits — added custom amounts and support for splitting past transactions.

Ensured flexibility and real-world applicability

Usability testing and Iteration

I tested all features across core tasks:

Onboarding: 10/10 success rate, 7.5/10 satisfaction

Split costs: 7/10 success rate, adjusted for clarity

Avg. time-on-task: ~4 minutes

Feedback gotten from research helped me and the team shape copy, ordering of steps, fallback options and helped inform some future features.

1,200+

sign ups

In 18 months

2,000

monthly active users

>₦1 billion

processed in transaction

Onboarding

55%

Address Verification