PUExchange Mobile App
PUExchange Mobile App
Mobile App
Mobile App
Fintech
Fintech
Designing a bill payment app that doesn't waste your time
Designing a bill payment app that doesn't waste your time

OVERVIEW
OVERVIEW
PUEX is a bill payment app built to bring everything people pay for online into one place airtime, data, electricity, TV subscriptions, betting, gift card sale and purchase, crypto sale and purchase, referrals, and a points/rewards system, all wrapped in a dark and light mode experience. In [year], we set out to design PUEX from the ground up, focused on making a wide range of financial actions feel simple, fast, and trustworthy inside a single app.
PUEX is a bill payment app built to bring everything people pay for online into one place airtime, data, electricity, TV subscriptions, betting, gift card sale and purchase, crypto sale and purchase, referrals, and a points/rewards system, all wrapped in a dark and light mode experience. In [year], we set out to design PUEX from the ground up, focused on making a wide range of financial actions feel simple, fast, and trustworthy inside a single app.
MY ROLE
MY ROLE
Product Designer
Product Designer
DEFINING THE RATIONALE
DEFINING THE RATIONALE
I was brought onto PUEX by the company's PM with a clear, ambitious brief: build the best bill payment app in Nigeria and Ghana not just a functional one, but one that felt genuinely different from everything else on the market.
That brief mattered, because bill payment apps in this region are largely interchangeable. Most people juggle multiple apps to handle their everyday financial life, one for airtime, date and utilties, while another for crypto and most of those apps look and feel the same: transactional, forgettable, built to be tolerated rather than enjoyed. The opportunity wasn't to build another one of those. It was to design something that made a routine, often mildly annoying task; paying a bill feel seamless enough that people would notice, and choose PUEX over habit.
I was brought onto PUEX by the company's PM with a clear, ambitious brief: build the best bill payment app in Nigeria and Ghana not just a functional one, but one that felt genuinely different from everything else on the market.
That brief mattered, because bill payment apps in this region are largely interchangeable. Most people juggle multiple apps to handle their everyday financial life, one for airtime, date and utilties, while another for crypto and most of those apps look and feel the same: transactional, forgettable, built to be tolerated rather than enjoyed. The opportunity wasn't to build another one of those. It was to design something that made a routine, often mildly annoying task; paying a bill feel seamless enough that people would notice, and choose PUEX over habit.
THE PROBLEM, BROKEN DOWN
THE PROBLEM, BROKEN DOWN
⚡ Speed expectations
Bill payments are impulsive, urgent actions (buying data before a call, paying electricity before it cuts off) friction anywhere in the flow costs the user real consequences.
🎨 Trust through interface
With crypto and giftcard trading in the mix, alongside everyday bill payments, the interface has to feel equally credible for a ₦200 airtime top-up and a crypto sale; two very different trust thresholds in one app.
🌓 One experience, two modes
Supporting dark and light mode isn't just aesthetic; for an app used at all hours (paying bills at 2am is common), mode choice affects real usability, not just preference.
🏆 Engagement beyond the transaction
With referrals and a points system built in, the app needed to reward repeat behavior, not just process one-off payments.
⚡ Speed expectations
Bill payments are impulsive, urgent actions (buying data before a call, paying electricity before it cuts off) friction anywhere in the flow costs the user real consequences.
🎨 Trust through interface
With crypto and giftcard trading in the mix, alongside everyday bill payments, the interface has to feel equally credible for a ₦200 airtime top-up and a crypto sale; two very different trust thresholds in one app.
🌓 One experience, two modes
Supporting dark and light mode isn't just aesthetic; for an app used at all hours (paying bills at 2am is common), mode choice affects real usability, not just preference.
🏆 Engagement beyond the transaction
With referrals and a points system built in, the app needed to reward repeat behavior, not just process one-off payments.
CUSTOMERS & AUDIENCE
CUSTOMERS & AUDIENCE
PUEX serves people across Nigeria and Ghana who transact frequently and across categories. To shape the design, it helps to think of three distinct user types:
The Everyday Payer: who tops up airtime and data weekly, pays electricity and TV subscriptions monthly. Wants speed above all else; a bill payment is a chore to clear in seconds, not an experience to linger in.
The Trader: who buys and sells crypto and gift cards, sometimes as a side income. Needs to trust the platform with higher-stakes, higher-value transactions, and wants clarity and control (rates, confirmation, transaction history) more than raw speed.
The Habitual User: who engages with referrals, and the points system. This is the user PUEX's rewards loop is designed around; someone who transacts often enough that points, redemption, and referral incentives actually change their behavior over time.
PUEX serves people across Nigeria and Ghana who transact frequently and across categories. To shape the design, it helps to think of three distinct user types:
The Everyday Payer: who tops up airtime and data weekly, pays electricity and TV subscriptions monthly. Wants speed above all else; a bill payment is a chore to clear in seconds, not an experience to linger in.
The Trader: who buys and sells crypto and gift cards, sometimes as a side income. Needs to trust the platform with higher-stakes, higher-value transactions, and wants clarity and control (rates, confirmation, transaction history) more than raw speed.
The Habitual User: who engages with referrals, and the points system. This is the user PUEX's rewards loop is designed around; someone who transacts often enough that points, redemption, and referral incentives actually change their behavior over time.

HOW MIGHT WE?
HOW MIGHT WE?
To turn those problems into opportunities, we framed a few key questions to guide the redesign. The questions focused on balancing speed, trust, and reward across every kind of transaction PUEX handles.
To turn those problems into opportunities, we framed a few key questions to guide the redesign. The questions focused on balancing speed, trust, and reward across every kind of transaction PUEX handles.

SOLUTIONS
SOLUTIONS
A single services page, structured by stakes
All of PUEX's offerings live on one services page, but not as one undifferentiated list. Standard bills like airtime, data, electricity, TV, betting sit apart from higher-stakes trading options like crypto and gift cards, so users know what kind of transaction they're entering before they tap in. Underneath, both groups share the exact same flow and interaction pattern, so the app never feels like a different product depending on what's being paid for. Familiarity where it counts, distinction where it matters.
Points that turn into balance
PUEX's points system works in a way where every transaction earns points, redeemable directly into wallet balance. It turns routine bill payments into an ongoing loop rather than one-off actions, giving users a reason to return beyond necessity.
One experience, two modes
Dark and light mode were designed as equally considered experiences, not a simple inversion; built to feel just as intentional whether someone's paying a bill in daylight or at 2am.
Well, that's a lot of talk about structure and systems, here's what it actually looks like.
A single services page, structured by stakes
All of PUEX's offerings live on one services page, but not as one undifferentiated list. Standard bills like airtime, data, electricity, TV, betting sit apart from higher-stakes trading options like crypto and gift cards, so users know what kind of transaction they're entering before they tap in. Underneath, both groups share the exact same flow and interaction pattern, so the app never feels like a different product depending on what's being paid for. Familiarity where it counts, distinction where it matters.
Points that turn into balance
PUEX's points system works in a way where every transaction earns points, redeemable directly into wallet balance. It turns routine bill payments into an ongoing loop rather than one-off actions, giving users a reason to return beyond necessity.
One experience, two modes
Dark and light mode were designed as equally considered experiences, not a simple inversion; built to feel just as intentional whether someone's paying a bill in daylight or at 2am.
Well, that's a lot of talk about structure and systems, here's what it actually looks like.









DESIGN IMPACT
DESIGN IMPACT
₦1 billion+ in transactions within the first 48 hours; growing to ₦2.3 billion+ in total wallet transactions within 30 days of launch.
$950K+ in crypto and gift card trades; proof that the higher-stakes trading side of the app earned trust fast, not just the everyday bill payments.
3,000+ active users and a 4.5★+ app store rating within a month of launch, from a 5-person team building start to finish.
99% uptime and a 0.12% crash rate; the seamless experience the original brief asked for held up in practice, not just on paper.
₦1 billion+ in transactions within the first 48 hours; growing to ₦2.3 billion+ in total wallet transactions within 30 days of launch.
$950K+ in crypto and gift card trades; proof that the higher-stakes trading side of the app earned trust fast, not just the everyday bill payments.
3,000+ active users and a 4.5★+ app store rating within a month of launch, from a 5-person team building start to finish.
99% uptime and a 0.12% crash rate; the seamless experience the original brief asked for held up in practice, not just on paper.
Thank you for reading!
Thank you for reading!
Thank you for reading!
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