Four steps, every time
Choose how, choose who, check the details, get a receipt. Bank, Raast and CNIC transfers all follow the same rhythm.
Alfa / Gen 3 · Flagship / Use case
Bank, Raast or CNIC. One pattern to learn.
Every way of sending money in the flagship follows the same four steps: choose how, choose who, check the details and get a receipt you can share.
01The problem
Every new rail added another branch.
Customers don’t think in rails. They think “send money to Ali”. But a Pakistani bank has to support many ways to send: Bank Alfalah accounts, other banks and wallets, Raast (by Raast ID, IBAN or account number), CNIC transfers and QR. Each one had grown its own screens and quirks.
The goal for the flagship was simple to say and hard to do: one pattern that works for every rail, so learning to send once means knowing how to send everywhere.
02Key decisions
What we designed, and why.
Your payees, searchable
Saved payees show a name, bank and number, with search at the top. Sending to someone you’ve paid before takes a couple of taps.
One form, three identifiers
Raast accepts a Raast ID, IBAN or account number. They’re tabs on one form, not three different flows.
Save the payee as you go
An “Add as payee” toggle with an optional nickname replaced a separate payee-management detour.
Limits before errors
The amount screen shows the sending account, its balance and your transfer limit, so problems surface before you hit Continue.
Confirm, edit, repeat
The confirm screen lets you edit any row, set the transfer to repeat (weekly to yearly), and tells you when a Raast transfer is free.
03A Raast transfer
Step by step.
Drag or scroll sideways, and tap any screen to see it larger.
1Choose how
Bank, Raast, CNIC or QR.
2Your payees
Or start a new transfer.
3New Raast transfer
ID, IBAN or account no.
4Payee details
Purpose of transfer.
5Add as payee
Optional nickname.
6Purpose
A required, simple list.
7Amount
Balance in view.
8Change account
Send from any account.
9Transfer limits
Visible before errors.
10Confirm details
Edit any row.
11Make it recurring
Weekly to yearly.
12Verify
One-time password.
13Receipt
Share, save or go home.
← Drag to follow the flow →
04Same pattern, other rails
Bank transfers, CNIC transfers and the hard cases.
05Next time
What I’d improve, with hindsight.
Still on my list
- Lead with people. The flow still opens by asking how to send before showing who. The audit and our own Gen 2 work both point to a payees-first start.
- Let the app choose the rail. If a payee has a Raast ID, the cheapest and fastest option could simply be picked for the customer.
- Make the receipt useful later. A transfer should be easy to find again, with the reference, from the payee’s profile.
