The banner shows the UX research process of making a journey map and transforming it into a usable interface of a payment app.Mobile mockups of the payments app, OctiFi.

Optimising Microlending Fintech App for a Y Combinator batch startup

About Client

OctiFi is a Y Combinator 2021 batch FinTech startup operating out of Singapore. They empower commerce in the Southeast Asian market with instant 0% interest loans for the responsible spenders. Many of the Southeast Asian countries have very low credit card penetration and OctiFi aims to present an easy alternative to credit cards. With a strong focus on security, detecting genuine buyers, genuine sellers and genuine devices, the client was looking for a UX/UI designer with deep knowledge of FinTech, especially the micro lending domain.

The client discovered us through Upwork – a projects platform where all our designers maintain 100% project success rate. We were assigned a pilot job of creating UX based on a FinTech concept. Given our extensive experience in designing a diverse set of FinTech apps, we presented multiple versions of the concept. And, this got us the main job.

The main job was to be a design partner in their product building process. We were tasked with optimising the existing fintech UX of their Singapore focused app, design new features and modify the user flows as per the regulatory norms. We also redesigned the app modelled for another Southeast Asian country.


The biggest challenge for us was to integrate a UX and UI design process into a typical growth-stage startup culture – agile, rapidly changing and engineering-centred. Thankfully, we had a very good point of contact who helped us navigate through the structure and guided us whenever we needed.

At the product level, we were presented with many challenging problems that we loved solving. We spent a good amount of time optimising the user onboarding, made the loan issuance process more efficient for the users, and introduced Glass Morphism visual style to their fintech app design.

Fintech design process


  1. Stakeholder interactions for valuable market, product and user insights in fintech product design.
  2. Incentivize high credit worthiness through user-centric design.
  3. Rapid iterations through low fidelity wireframing for efficient fintech UI design.
  4. High fidelity prototyping for early validation of fintech UX design.

Design Objectives

  1. Frictionless Onboarding experience for improved user adoption.
  2. Secure & Trustworthy UX design to build user confidence.
  3. Aligning fintech UI design with Brand Identity for consistent user experience.
  4. Reducing User Errors and Friction through intuitive interface design.

Glass Morphism UI Style

We developed a Glass Morphism based design system including design components, typography, colours and fonts that were in line with the client’s brand identity. Since Glass Morphism was relatively new in (as in August 2021) UI style, here is a brief understanding on what it is.

Like most concepts in design, there is no standard definition of what is Glass Morphism. Our interpretation of Glass Morphism is a UI style that creates a visual effect of seeing through a glass, most commonly a frosted glass effect.

It uses vivid colours, semi-transparent backgrounds, multiple layers and floating objects. Being a FinTech design agency, it was important for us to make sure that the designs generated a sense of trust, security and ease.

Icons and components of OctiFi in Glass morphism UI style.

High fidelity prototypes

High fidelity mockups allowed the product team, especially the engineering and marketing teams to validate the designs. We were able to avoid bigger investments in terms of coding the interfaces due to the pixel-perfect high fidelity prototypes built using the real data.

The Tcules team is clearly brilliant in UX/UI works. They are intuitive, empirical and are very effective communicators. These characteristics they possess has made it a clear joy to work with them. They deliver the works required on time. They deliberate sufficiently and outline clear thought processes in the flows. And they are also proactive in exploring an intuitive and aesthetically designed output. Highly recommended. Would love to work with them in the future.

Amin Nordin

Head of Growth, OctiFi

Final Outcome

  • The engineering team was able to address critical usability issues and enhance the overall user experience within the first month of our collaboration.
  • By focusing on user-centric design principles and conducting thorough user research, we streamlined the fintech user journey, making it more intuitive and efficient.
  • Our iterative UX design process not only improved the usability of the application but also resulted in cost savings by reducing the need for extensive coding and development.
  • We introduced a new UI style, Glass Morphism,  for OctiFi's launch in the new market. The Glass Morphism style, characterised by its use of transparency, vivid colours, and layered elements, provided a modern and visually appealing interface that aligned with OctiFi's brand identity. This innovative fintech UI design helped OctiFi differentiate itself in the competitive Southeast Asian market and establish a strong brand presence.

Ready to revolutionise your fintech application's user experience?

Contact us today and discover how our experts can help you create a stunning and user-centric fintech product that stands out in the market.

Icons and components of OctiFi in Glass morphism UI style.

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