Pago Express
Designed an exclusive mobile and desktop banking experience for a private, invitation-only financial platform, delivering full banking functionality (PIX, transfers, statements) with premium gamification features for high-value clients.
Welcome with purpose
Through interviews with 80+ private clients, we identified three critical gaps:
Status Anxiety: High-value users demanded interfaces that reflected their tier (e.g., discreet balance displays)
Cross-Device Trust: Seamless mobile-to-desktop handoff was non-negotiable for users managing complex portfolios
Engagement Expectations: Clients expected rewards beyond interest rates (e.g., concierge integrations, milestone celebrations)
Guided, not gated
The solution combined private banking rigor with behavioral design:
1. Tiered Interface System
Dynamic UI that adapts to user value (e.g., black card holders see premium asset visualizations)
"Discreet Mode" for balance hiding in shared environments
2. Bi-Directional Sync
Instant state preservation across devices (start transfer on mobile, approve on desktop)
Unified activity feeds with institutional-grade security indicators
3. Gamified Private Banking
Progress rings for wealth milestones (e.g., "Top 5% Client" badges)
Exclusive partner rewards (private jet discounts triggered by deposit thresholds)
4. Concierge-First Navigation
One-tap access to human advisors at all touchpoints
AI-prepped meeting summaries after advisor calls
Redefining Private Digital Banking
The platform became a retention tool – clients now showcase the app to peers as a status symbol. By blending Swiss-grade security with luxury UX patterns, we proved that exclusivity could scale digitally while maintaining its aspirational cachet.