← All work Sarim Naeem
Bank Alfalah · Digital Banking · 2018 — 2023

Alfafive years, three generations, and the product that changed how I think.

For five years I led the UX of Alfa, one of Pakistan’s largest digital banking apps. I took it from an agency-built app to an open, lifestyle super app, then rebuilt it again as the market caught up. This is that story.

Role
Lead UX Designer · AVP
Timeline
2018 — 2023 · 5 years
Surfaces
Mobile app, Internet Banking, ATM, Kiosks
Scope
2 full revamps, 100+ flows, 30+ products
2016 · Agency build
Alfa 2016 agency app
2019 · Gen 1 · Open App
Alfa 2019 super app home
2021 · Gen 2 · Alfa 2.0
Alfa 2.0 home
2024 · Gen 3 · Flagship
Alfa flagship home
Five years in numbers

Numbers tell one story. People tell another.

150K → 600K+monthly active users, from the year I joined to the year I left
4×growth in deposits through the app
6×growth in transactions
2×Best Digital Banking awards won during my era
100+user flows and thousands of screens designed
30+financial and lifestyle products launched inside one app

Figures reflect internal reporting during my tenure (2018–2023) and are team results. I was one of many people behind them.

00Prologue

Customers didn’t open Alfa to admire good design.

They opened it because something important needed to happen.

A salary needed to arrive.A bill had to be paid before midnight.Money had to reach family.A card needed blocking — now.An investment needed review.A business payment couldn’t fail.

Behind every screen was a real person trying to solve a real problem. That realisation changed my career. Before Alfa, I thought design was about screens. Alfa taught me people don’t remember screens. They remember certainty, confidence, and whether the product quietly helped them do what they came to do.

2016The agency appAlfa launches, built by an external marketing agency.
2018I joinSole UX designer in a newly formed Digital Banking Group.
2019Gen 1 · Open AppExplore before you log in. A lifestyle super app.
2020Gen 2 · Alfa 2.0Research, data and a clutter-free rebuild (2020–23).
2023Audit & handoverConsultant-led UX audit shapes the next generation. I move on in November.
2024Gen 3 · FlagshipThe new Alfa launches in October, built on that foundation.
Interactive · one screen, four eras

The first screen, as it evolved.

2016 home 2019 home 2021 home 2024 home
2016

A list of accounts. Nothing else.

The agency app opened on a plain list of account numbers behind a red banner. Every task lived somewhere else, and you had to be registered before you could see anything at all.

  • Login wall
  • No hierarchy
  • Tasks hidden in menus
  • UI-led, not user-led
2019

Open the door. Show what’s inside.

Gen 1 turned the first screen into a destination. Anyone could explore it without logging in. A “one-tap launch” grid put everyday tasks upfront, and lifestyle rails turned banking into a place people visited.

  • Open App — no login wall
  • One-tap launch grid
  • Lifestyle rails
  • Search services
2021

Say less. Mean more.

By 2020 every bank was in the UI race and users were telling us the home screen felt crowded. Gen 2 kept only what people did daily: one account card, four actions, and everything else one tap away in grouped menus.

  • Account-first card
  • Four daily actions
  • Expand for more
  • Grouped categories
2024

Make it yours.

The flagship kept Gen 2’s calm and fixed what the audit found. The balance comes first and stays hidden until you tap. Daily actions come next, then quick actions each customer picks. Themes and dark mode run on one design system, built on the work of Gen 1 and Gen 2.

  • Balance-first, privacy by default
  • Personal quick actions
  • Themes & dark mode
  • One design system
01What I inherited

The challenge wasn’t launching version one. It was improving something people already depended on.

When I joined in 2018, Alfa was already live, trusted, and moving money every minute. It had been designed by a marketing agency on basic UI rules. Stakeholders were drawn to how screens looked more than how they worked.

That changed the nature of design. Moving navigation didn’t just move icons, it changed habits. Adding security wasn’t just another screen, it changed trust. And removing a step could increase customer mistakes. Every decision carried consequences.

  • Registration was mandatory before a customer could see a single feature.
  • Navigation was complicated. Everyday tasks were hard to find.
  • No personalisation for Conventional, Islamic or Premier customers.
  • A basic feature set, with little reason to open the app unless you had to.
Generation 1 · 2019 · Open App

Let people window-shop the bank before they join it.

A banking app with a login wall only serves people who already chose you. We wanted Alfa to win the ones who hadn’t, so the first revamp opened the door.

Insight

Curious visitors bounced at the login wall.

People downloaded Alfa to look around and left before they ever saw what it could do.

Bet

Explore first, register when it’s worth it.

An “Open App” where anyone can browse services, offers and products, then sign up from any moment of intent.

Vision

Banking plus lifestyle, in one place.

Alfalah’s USP was lifestyle services inside a financial app, so the home became a super-app dashboard.

The super-app dashboard

From a list of accounts to a place worth visiting.

A search bar and a “one-tap launch” grid for daily tasks, with instant transfers to favourite payees. Below them, rails for discounts, travel, tickets and card offers gave people a reason to come back even when they didn’t need to pay anything.

Design choice — the first screen should answer “what can I do here?”
Open app home, logged out
Logged-in home
One app, three identities

Conventional, Islamic and Premier customers, each at home.

The same product had to feel right for very different customers. I designed themeable experiences: Alfalah red for conventional banking, a calm teal identity for Islamic banking (with its own Power Pack), and a premium tier for Premier clients.

Conventional theme Islamic theme Islamic Power Pack
Then came the products

Once the app was open, the business wanted everything in it.

Business teams needed numbers. My job was to help them hit those numbers through the experience, not in spite of it. Virtual cards, investments, goal-based savings, remittance, QR, insurance, loans, tickets, loyalty and gamified acquisition all shipped inside one app.

02Inside a bank

Every feature travelled a long road before it reached a customer.

Polished case studies rarely show what happens behind the interface. At Bank Alfalah, design became the language that connected all these moving parts, and I learned to speak with each of them.

Customer pain pointBusiness objectiveEngineeringSecurity reviewComplianceRiskQA cyclesAccessibilityRelease

“How do we make this screen better?”“What is this person trying to achieve?”

Somewhere along the way my definition of UX changed. Nobody wakes up wanting to use a banking app. They want life to continue: salary, transfer, bill, card, loan, receipt. If users noticed the interface, we had probably failed.

Generation 2 · 2020 — 2023 · Alfa 2.0

When every bank joined the design race, we raced on clarity.

Digital banking was booming in Pakistan and every bank was competing on UI. We had grown fast, and the home screen showed it. This time we started from what people told us, not from what we wanted to add.

Listen

Focus groups & customer feedback

Customers told us the dashboard felt crowded and that everyday tasks took too long to reach.

Measure

Data science & behaviour

We worked with data teams to see which features people actually used, and designed around that.

Benchmark

Competitor analysis

Local banks, wallets and global neobanks, to find the gaps worth closing and the patterns people already knew.

Clutter-free dashboard

One account. Four actions. Everything else, one tap away.

The new home led with the thing people checked most: their account and balance. Below it were the four actions they used every day: Send Money, Mobile Top-up, Bill Payments and Payees. A single expand control revealed the full service grid, and promotions moved below the fold.

Design choice — show the daily path, hide the long tail (but keep it close).
Alfa 2.0 home
Expanded home
Information architecture

30+ products, grouped the way people think.

Instead of one long alphabetical list, services were grouped into Payments, Save & Invest, Loans, Lifestyle, Insurance, Vouchers and more, so people could scan for the right category first.

Payments
Payments
Save and invest
Save & Invest
Loans
Loans
Lifestyle
Lifestyle
New products, same calm

Prepaid cards, Asaan Pay, Raast, Tap & Win and more.

In parallel with the revamp I kept designing new products for business teams: instant loans, BNPL, NFC card management, mutual funds, term deposits, prepaid cards, CNIC-based Asaan Pay and gamified campaigns. Each one had to fit the new system instead of bolting on its own.

Tap and win
Accounts overview
03An honest mirror

Before the next generation, we asked outsiders to tell us the truth.

Growth hides problems. So ahead of the flagship rebuild, the bank brought in an external UX team to audit Alfa app and web.

Four experts ran a heuristic evaluation across onboarding, navigation, payments, cards, lending and investments. They scored each area against usability principles and compared the results with the SUS benchmark of 68. They read hundreds of Play Store reviews and benchmarked us against a direct competitor. The scores were humbling, and that was exactly the point.

Audit scores by area
Navigation & IA
43.5%
Forms & data entry
52.8%
UX copy
59%
UI design
65%
Search & help
37%
SUS 68
1
Too many choices, too little orderA shallow navigation spread options across the home and side menu, and lists were sorted A–Z instead of by use.
2
Brand red was doing too many jobsThe same red carried branding, illustrations and CTAs, so primary actions stopped standing out.
3
Onboarding felt disjointedOpening an account digitally still meant registering for Alfa separately, with no way to track status.
4
We had numbers, but no voicesThe bank collected quantitative data only, with no interviews or usability tests. That became the next thing to fix.
The audit didn’t erase five years of work. It showed us where the next five years should start.
Generation 3 · Flagship · launched October 2024

The foundation I left behind.

The flagship was a revamp, not a restart. With external consultants we built a new design system, visual language and navigation. Most of the UX underneath came from work we had already shipped and tested: the themes from Gen 1, the account-first home and grouped services from Gen 2, biometric onboarding, virtual cards and the payee flows. The same core team carried it. After the consultants handed over, I left Bank Alfalah in November 2023, and the team took it through development to launch in October 2024.

What carried over

New system. Familiar thinking.

We didn’t throw away five years of decisions that customers already understood. We gave them a cleaner system to live in.

Gen 1Conventional, Islamic & Premier themes
Gen 3Themes as design tokens, plus dark mode
Gen 2Account card first on the home
Gen 3Balance first, private by default
Gen 2Four daily actions
Gen 3Daily actions + personal quick actions
Gen 2Services grouped by category
Gen 3Alfa Hub with search
Gen 2Biometric & CNIC verification
Gen 3One onboarding journey
Gen 1Virtual Debit Card
Gen 3Cards hub, physical and virtual
A home that adapts

Balance first, daily actions next, and quick actions you choose yourself.

The audit said the home was doing too much. The flagship home starts with the balance (hidden by default, one tap to reveal), then Send money and Overview, then the three things people do most. Below that is a row of quick actions that each customer picks, so the home grows around their habits instead of the bank’s.

Design choice — let people decide what’s “quick”.
Flagship home
Add quick actions
One system, many identities

Conventional, Islamic and Premier, now from one design system.

Gen 1 proved that customers wanted to feel at home. Gen 3 turned that into tokens: one component library with colour themes for Conventional, Islamic and Premier customers, plus a full dark mode. A new theme became a set of variables, not a new set of screens.

Conventional theme Islamic theme Premier theme
Fixing onboarding

Open an account and register for Alfa in one journey.

The audit found that opening an account digitally still meant registering separately afterwards. The flagship joins them: choose a path, say what the account is for, verify with a fingerprint and CNIC through NADRA, and finish with an account that is ready to use in Alfa straight away.

Choose a path
Choose a pathOpen an account or register
Banking needs
Banking needsWhat the account is for
Biometric check
Biometric checkVerified with NADRA
CNIC scan
CNIC scanFront and back, guided
Account created
Account createdContinue straight into Alfa
Send money, one pattern

Bank, Raast, CNIC or QR. One flow to learn.

Every way of sending money follows the same four steps: choose how, choose who, check the details, and get a receipt you can share. Raast transfers show that they are free before you confirm, so the cheapest option is also the obvious one.

Choose how
Choose howBank, Raast, CNIC or QR
Choose who
Choose whoRaast ID, IBAN or account
Check the details
Check the detailsEdit anything before paying
Receipt
ReceiptShare, save or go home
Everything else, rebuilt on the same system

Cards, credit, appearance, security and more.

Virtual and instant credit cards, card controls, transaction limits, Alfa Hub, dark mode, a branch locator and a new profile were all built from the same components and patterns.

04What it taught me

The decisions that shaped me more than any screen.

Beautiful mockups rarely reveal the hard part. Real product design happened inside conversations, disagreements, constraints and trade-offs, and it left me with a few principles I still design by.

01 · Security
Security protects people. Confusion scares them.

OTPs, biometrics, device checks and approvals all add friction. The job wasn’t removing them. It was helping people understand why they exist.

02 · Success
Technically complete isn’t emotionally complete.

A payment isn’t done when the server says so. It’s done when the customer feels sure it arrived, with a receipt, a reference and a next step.

03 · Stress
Design for someone’s worst day.

Lost cards, fraud and locked accounts. The flows used least often are the ones people need to work first time, under pressure.

04 · Partnership
Compliance wasn’t the obstacle. It was protecting customers too.

Once I saw that, product conversations changed. Design stopped defending pixels and started defending people, together.

People I designed with every day:

Product managersEngineeringQACustomer experienceOperationsComplianceLegalRiskMarketingBusiness teamsData scienceLeadership
05Looking back

I joined thinking product design meant creating interfaces.

Five years later, I realised it means reducing uncertainty.

Not removing complexity. Not adding features. Helping people move forward with confidence, helping businesses make better decisions, and helping engineers build clearer solutions. That philosophy still guides every product I design.

06Life at Alfalah

The people behind the pixels.

Five years at a bank is also trips up north, award nights, dress-code days and a lot of chai. These are the people who made the hard sprints feel easy. Drag the photos around.

Digital Banking Group Awards 2022
Digital Banking Group Awards 2022
Up north with the team
Up north with the team
The night we took the trophy home
The night we took the trophy home
Rafting day, life jackets on
Rafting day, life jackets on
Receiving my award
Receiving my award
A mindfulness session at the office
A mindfulness session at the office
Trip day, everyone on the wall
Trip day, everyone on the wall
White-shirt day
White-shirt day
The desk crew
The desk crew
All-black day
All-black day
On the forest trail
On the forest trail
#Dreamers
#Dreamers
Team dinner
Team dinner
Kurta day
Kurta day
I didn’t spend five years designing a banking app.
I spent five years designing confidence.
Alfa · Bank Alfalah · 2018 — 2023
07Designer’s notebook

The stories behind the screens.

This case study is intentionally unfinished. Every major product leaves behind stories that deserve to be told properly, so I’ll keep writing them here.

When an OTP became a trust problemSoon
The screen we removed instead of redesigningSoon
The feature that never shippedSoon
The workshop that changed the roadmapSoon
The difference between security and trustSoon
The most expensive pixel is the one that creates doubtSoon
Sarim NaeemLead UX Designer · Alfa, Bank Alfalah

Let’s design, build and ship something useful together.