Trust deficit: First-time investors hesitate to share personal data (BVN, NIN) without understanding why or how its protected
Unclear value proposition: Users dont understand the difference between equity, mutual funds, and bonds before being asked to choose
Verification friction: BVN verification takes 5 minutes with zero progress feedback, making users think the app is broken
Cognitive overload: Too many steps presented at once 9 screens before first investment)
Risk anxiety: Financial language and legal disclaimers scare off casual investors

Trust deficit: First-time investors hesitate to share personal data (BVN, NIN) without understanding why or how its protected
Unclear value proposition: Users dont understand the difference between equity, mutual funds, and bonds before being asked to choose
Verification friction: BVN verification takes 5 minutes with zero progress feedback, making users think the app is broken
Cognitive overload: Too many steps presented at once 9 screens before first investment)
Risk anxiety: Financial language and legal disclaimers scare off casual investors

Competitive Analysis

App

What They Do Well

Opportunity Gap

PiggyVest

✅

Social proof (challenges with friends), instant feedback on savings

❌

Savings-first, doesn’t explain investment types

Cowrywise

✅

Educational content, portfolio diversification

❌

Dense onboarding, no gamification

Risevest

✅

International diversification, lower minimum investment

❌

Complex currency conversion, lacks trust-building

High-Fidelity Screen Mockups

STEP 1: Welcome + Value Proposition (Optional Guided Tour)

Show: 3 investment types with realistic returns and icons

Action: User selects Create Account or Explore Products First

STEP 1: Welcome + Value Proposition (Optional Guided Tour)

Show: 3 investment types with realistic returns and icons

Action: User selects Create Account or Explore Products First

9:41

Start Building Wealth

in 5 Minutes

Invest securely with Nigeria's trusted platform. CBN licensed • 500,000+ investors

CBN Licensed

500k+ Users

Bank-grade Security

Get Started

Explore Products First

9:41

Choose Your Product

Which investment fits your goals?

Continue

1/5

Fixed Term Treasury

Your funds are locked for the chosen period

Best Offer

16%. p.a

Target Savings

Save Towards a goal

12%. p.a

Flexible Savings

Withdraw at anytime and still earn

12%. p.a

Not sure? We recommend Flexible Savings for beginners. You can switch anytime.

9:41

Choose Your Product

Which investment fits your goals?

Continue

1/5

Fixed Term Treasury

Your funds are locked for the chosen period

Best Offer

16%. p.a

Target Savings

Save Towards a goal

12%. p.a

Flexible Savings

Withdraw at anytime and still earn

12%. p.a

Not sure? We recommend Flexible Savings for beginners. You can switch anytime.

9:41

2/5

16%. p.a

Fixed-Term Treasury

Your funds are locked for the chosen period ou cannot withdraw before maturity. Funds invested in government-backed securities.

Overview

Calculator

Risk and Returns

Your money is invested in secure government-backed treasury bills. It’s like a locked vault that grows over time

Transparent Terms

Interest is calculated daily and paid at the end of your selected term.

Early liquidation (withdrawing before the end date) may incur a small 2% processing fee on interest earned."

Regulated by the SEC and NDIC insured." (This builds massive trust in the Nigerian market)

Start Investing

Compare with other products

9:41

2/5

16%. p.a

Fixed-Term Treasury

Your funds are locked for the chosen period ou cannot withdraw before maturity. Funds invested in government-backed securities.

Overview

Calculator

Risk and Returns

Calculate your returns

Investment amounts

Enter Amount

₦10K

₦50K

₦100K

500K

Duration

Choose Duration

3 months

6 months

12 months

Your Investment:

₦100,000

Interest Rate:

15% p.a.

Duration:

6 months

Maturity Date:

6 August 12, 2026

Interest Earned:

₦7,500

Total at Maturity

₦36,950.00

Start Investing

9:41

2/5

16%. p.a

Fixed-Term Treasury

Your funds are locked for the chosen period ou cannot withdraw before maturity. Funds invested in government-backed securities.

Overview

Calculator

Risk and Returns

2024

+10.0%

2024

+10.0%

2024

+10.0%

2024

+10.0%

2024

+10.0%

2024

+10.0%

2024

+10.0%

Start Investing

STEP 2: Email Registration + Verification

Show: Single email field, soft copy explaining why

Verification: Email sent in-background, Confirm your inbox instead of Check your email

STEP 2: Email Registration + Verification

Show: Single email field, soft copy explaining why

Verification: Email sent in-background, Confirm your inbox instead of Check your email

9:41

Nationality

Select Country of nationlity

Get Started

3/4

Select your Country

Which investment fits your goals?

9:41

Nationality

Select Country of nationlity

Get Started

3/5

Select county

Cancel

Search assets...

Nigeria

Angola

Algeria

Chad

Equatorial Guinea

Cape Verde

Guinea

Egypt

Select your Country

Which investment fits your goals?

9:41

Legal First name

Enter first name

Legal Last name

Enter last name

Email address

Enter first name

Phone number

Got an invite code?

Enter Referral code

Create Account

By selecting Agree and continue, I agree to our Terms of Service, Payments Terms of Service and Notification Policy and acknowledge the Privacy Policy.

4/5

Lets gets you started

Provide your basic information so we can get to know you

9:41

New Password

A minimum of 8 characters

Lower and uppercase letters

At least 1 number

At least 1 symbol

Confirm new password

Get Started

5/5

Create Your Password

Provide your basic information so we can get to know you

9:41

New Password

************

A minimum of 8 characters

Lower and uppercase letters

At least 1 number

At least 1 symbol

Confirm new password

**************

Continue

5/5

Create Your Password

Provide your basic information so we can get to know you

9:41

Enter your Pin

Confirm new password

Continue

5/5

Create your Pin

Your PIN adds and extra layer of security to your Account

9:41

Enter your Pin

Confirm new password

Continue

5/5

Create your Pin

Your PIN adds and extra layer of security to your Account

Pin created Successfully

Well Done!

9:41

Enter code

Resend code in 00.59

Continue

One last thing... Verify your email

We sent a code to your gen*******il.com , kindly input your 5 digit code

9:41

Email addresses

Enter address

Password

Enter password

Forgot password?

Continue

Welcome back !

Enter your Sign in details to Proceed

Dont have an account Login?

STEP 3: Home page + Identity Verification

Show: Home page, NIN and BVN registration and face recognition

STEP 4: Create Investment Flow

Show: Product display, explanations and buy amount , duration and payment information

STEP 4: Create Investment Flow

Show: Product display, explanations and buy amount , duration and payment information

9:41

Choose Your Product

Which investment fits your goals?

Continue

Fixed Term Treasury

Your funds are locked for the chosen period

Best Offer

16%. p.a

Target Savings

Save Towards a goal

12%. p.a

Flexible Savings

Withdraw at anytime and still earn

12%. p.a

Not sure? Not sure? TWe recommend Flexible Savings for beginners. You can switch anytime.

9:41

Continue

Give your plan a unique name

Name

Enter name

15 characters max

The

space

return

123

9:41

Continue

Give your plan a unique name

Name

Enter name

Name is required

15 characters max

The

space

return

123

9:41

Choose payment plan

Amount to invest

₦ 10,000.00

₦10,000.00

₦15,000.00

₦20,000.00

₦25,000.00

₦50,000.00

₦500,000.00

9:41

Continue

Investment Duration

60 days

12.5% p. a

90 days

12.5% p. a

180 days

12.5% p. a

270days

12.5% p. a

365 days

12.5% p. a

9:41

Pay Now

Select a payment method

₦200,00.00

Wallet

Bank Transfer

Instant or near-instant

Card/Debit card

Fast, additional fees may apply

9:41

Continue

Investments summary

Amount

₦ 1,000,050.00

Upfront interest rate

11.3% p.a

Upfront interest amount

₦ 113,000.00

Amount on maturity

₦ 1,000,000,000.00

Tenor

365 days

Start date

Feb 12, 2026

Roll-over mandate

None

Maturity date

Feb 12, 2027

Not sure? Not sure? TWe recommend Flexible Savings for beginners. You can switch anytime.

9:41

Go home

You're now investing! 🎉

Your money is already working for you.

Product

Fixed Savings

Amount

₦ 1,000,050.00

Upfront interest rate

11.3% p.a

Upfront interest amount

₦ 113,000.00

Amount on maturity

₦ 1,000,000,000.00

Tenor

365 days

Start date

Feb 12, 2026

Maturity date

Feb 12, 2027

Design Rationale

Problem-Solving Approach: Addressing 60% Abandonment

The core abandonment drivers are: distrust, complexity, and unclear value. This redesign tackles each:

Front-load value: Product education happens before login (Screen 1), not after verification. Users understand what they are investing in before committing identity data.

Reduce cognitive load: From 9 steps to 6 core steps. Email verification backgrounded. Address collection deferred to onboarding 2.0 or account settings.

Real-time feedback: BVN verification now has animated progress (was a silent wait). Users see Checking, Validating, Confirmed,; reducing anxiety and app-closure.

Trust-building copy: Every screen includes reassurance , We never share your email,Verified by CBN,Most verified in 2 mins.

Problem-Solving Approach: Addressing 60% Abandonment

The core abandonment drivers are: distrust, complexity, and unclear value. This redesign tackles each:

Front-load value: Product education happens before login (Screen 1), not after verification. Users understand what they are investing in before committing identity data.

Reduce cognitive load: From 9 steps to 6 core steps. Email verification backgrounded. Address collection deferred to onboarding 2.0 or account settings.

Real-time feedback: BVN verification now has animated progress (was a silent wait). Users see Checking, Validating, Confirmed,; reducing anxiety and app-closure.

Trust-building copy: Every screen includes reassurance , We never share your email,Verified by CBN,Most verified in 2 mins.

Key Design Decisions

1. Product Education Before Identity Verification

Why: Users are more willing to share personal data if they understand why and what they are investing in. Showing product benefits first creates buy-in.
Trade-off: More initial screens, but higher intent user base (self-selection).

2. Animated Progress During BVN Verification

Why: Silent waits cause users to think the app is broken and close it. Animation + status text (Checking BVN...) signals progress and reduces drop-off mid-process.
Expected impact: 15% reduction in mid-verification abandonment.

3. Lightweight KYC (Name + Phone Only, Address Deferred)

Why: BVN lookup already returns address. Asking twice feels redundant and increases friction. Move full KYC to post-investment account settings.
Trade-off: Regulatory compliance requires full KYC, but it can happen after trust is built.

Compliance & UX Balance
Fintech in Nigeria must comply with CBN Know-Your-Customer (KYC) regulations. This design complies without overwhelming users:

BVN verification satisfies identity requirements (CBN tier-1 compliant).
Full address collection deferred but gated: Users cannot deposit beyond 500K without completing full KYC.
Terms acceptance: Simplified (1 screen) rather than 5-page legal document. Links to detailed T&Cs for compliance audit.

Trust & Security Design
Visual trust signals:

Padlock icon next to Secured by [Bank Partner] on bank-linking screen.
CBN compliance badge: Regulated by CBNon welcome screen (footer).
Social proof: 12,000 Nigerians investing,500M+ invested on success screen.
Transparency: FAQ link: Why do we ask for BVN? explains regulatory requirement.
Writing about the project helped me better articulate design decisions beyond visuals.

1. Product Education Before Identity Verification

Why: Users are more willing to share personal data if they understand why and what they are investing in. Showing product benefits first creates buy-in.
Trade-off: More initial screens, but higher intent user base (self-selection).

2. Animated Progress During BVN Verification

Why: Silent waits cause users to think the app is broken and close it. Animation + status text (Checking BVN...) signals progress and reduces drop-off mid-process.
Expected impact: 15% reduction in mid-verification abandonment.

3. Lightweight KYC (Name + Phone Only, Address Deferred)

Why: BVN lookup already returns address. Asking twice feels redundant and increases friction. Move full KYC to post-investment account settings.
Trade-off: Regulatory compliance requires full KYC, but it can happen after trust is built.

Compliance & UX Balance
Fintech in Nigeria must comply with CBN Know-Your-Customer (KYC) regulations. This design complies without overwhelming users:

BVN verification satisfies identity requirements (CBN tier-1 compliant).
Full address collection deferred but gated: Users cannot deposit beyond 500K without completing full KYC.
Terms acceptance: Simplified (1 screen) rather than 5-page legal document. Links to detailed T&Cs for compliance audit.

Trust & Security Design
Visual trust signals:

Padlock icon next to Secured by [Bank Partner] on bank-linking screen.
CBN compliance badge: Regulated by CBNon welcome screen (footer).
Social proof: 12,000 Nigerians investing,500M+ invested on success screen.
Transparency: FAQ link: Why do we ask for BVN? explains regulatory requirement.
Writing about the project helped me better articulate design decisions beyond visuals.

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