GoPay - Fintech & Bill Management Solutions
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Simplifying financial complexity through a unified interface that transforms how users track, manage, and settle enterprise-grade billing requests.
About the project
Gopay is a unified financial hub that streamlines billing for B2B and B2C users. It centralizes recurring payments, e-invoices, and fund tracking via a secure wallet, connecting users directly with service providers.
Project
Mobile App
Industry
Fintech
Location
Riyadh, Saudi Arabia
Date
2024
“
Client Request
Simplifying financial complexity through a unified interface that transforms how users track, manage, and settle enterprise-grade billing requests.
Adel Al Subeaei
Founder & CEO
SaaS Design Principles
The main dashboard shows every transaction, pending bill, and wallet balance. This ensures users always know their current cash flow and liabilities.
We protect sensitive data using multi-factor authentication, Face ID, and secure passcodes. This ensures enterprise-level security for every user.
Pain points
Payment Fragmentation
Users found it difficult to track recurring bills from different providers across various apps and emails.
Verification Friction
Standard banking apps made it hard to find specific e-invoices or receipts when needed.
Security Anxiety
Users were hesitant to use digital platforms without clear, granular control over biometrics and card data.
User Archetypes
The Busy Professional
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I need my bills organized so I can focus on my work, not my deadlines.
The Mission
Pain Point
Success Metric
Monthly Budget Managed
$12.5K
Target Engagement
Daily
Conversion Accuracy
99%
The Small Business Owner
“
Cash flow is king; I need to know exactly what is going out and when.
The Mission
Pain Point
Success Metric
Monthly Budget Managed
$45K
Revenue At Risk
15%
ROI Velocity
3.5x
Problem Statement
Scattered Billing to Automated Payments
We shifted from a basic "list-style" bank view to an "action-oriented" hub. We found that users don't just want to see bills, they want a system that alerts them, allows instant payment, and stores legal e-invoices in a searchable vault.
“
We realized the old model of manual bill searching was broken. Automation wasn't a luxury, it was the only way to scale financial clarity.
Adel Al Subeaei
Founder & CEO
Solution
The Gopay Intelligence Hub
A central ecosystem that combines identity security, payment processing, and document storage.
01 - Smart Dashboard
A live feed that monitors balances, payment status, and urgent overdue alerts.
02 - Unified Biller Profiles
Detailed pages showing payment history, auto-pay toggles, and direct access to e-invoices.
03 - Layered Security
High-level protection using Face ID, 6-digit codes, and easy management for Mada, Visa, and Mastercard.
The Blueprint & Evolution
UX Architecture
The app uses a hub-and-spoke model. The Dashboard is the center, connecting to Billers, Payments, Settings, and Notifications. The system syncs instantly; when a bill is updated, it reflects in the "Recent Payments" section within milliseconds.
Wireframe Logic
We used "Progressive Disclosure" for payments. This means users see a summary first, and only see the full invoice if they need more detail. This keeps the interface clean and helps users focus on the main goal: paying the bill.
Usability Benchmarks
Benchmarking User Efficiency
We tested the app with 50 financial managers and individual users.
Users added a payment method and paid a bill in under 60 seconds.
Built-in e-invoices removed the need to check external email apps.
Clear "Overdue" alerts and push notifications significantly reduced late fees.
Real-time 'Paid vs Total' tracking helped users manage monthly budgets more effectively.
Key Features
The Transactional Architecture
The design helps users move from high-level overviews to specific actions without getting lost.
E-Invoice Vault
Filtered Search
A fast search tool to find billers by name or specific invoice numbers instantly.
Secure Wallet
A simple "Add Card" flow with OCR (card scanning) and custom nicknames for easy recognition.
Visual Identity
Typography
We chose Inter because it is very easy to read at small sizes. This is vital for showing currency, dates, and invoice numbers clearly.
Color Palette
Primary Action Orange: Used for important buttons like "Log In" or "Pay Now" to grab attention.
Deep Onyx: The dark-mode base that looks premium and reduces eye strain.
Success Green: Used exclusively for "Payment Successful" and "Approved" status marks.
UI Logic
We used an Atomic Design approach. All buttons, fields, and bars are reusable components. This ensures the app feels consistent across all 60+ screens.
Adaptive Visual Modes
We implemented a dual-mode interface to ensure high-density data remains clear across all devices. This accessibility-first approach allows users to switch between Light and Dark modes.
Scaling Operational Excellence
Redefining Financial Trust
Gopay changed how users manage their money. By using a modern "Fintech Studio" look instead of a boring bank style, we increased user loyalty and how often they add funds. It turned the culture from "paying bills" to "managing wealth.
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The final result is more than an app, it's a high-performance tool that gives our users back their time and peace of mind.
Adel Al Subeaei
Founder & CEO
Efficiency at Scale
Operational Excellence
clean UI/UX led to real business improvements.
Fewer Support Tickets
The built-in Help Center and FAQs answered most user questions automatically.
Faster Transactions
Saved cards and Apple Pay allowed users to pay their bills much quicker.
Data Accuracy
Automated e-invoices mean every payment is backed by a verifiable digital document.
Next Iteration
Future Strategy
Future phases will include AI-driven forecasting to predict seasonal bill spikes based on historical data. We are also developing shared wallets for transparent joint management and a web-based corporate dashboard to help large-scale billers handle high-volume invoices from a desktop environment.
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Gopay is just the beginning of our journey to bridge the gap between financial services and user-centric design.
Adel Al Subeaei
Founder & CEO
The New Go Pay Experience
Gopay is a prime example of design-led fintech. By focusing on security, clarity, and speed, we built a platform that does more than process payments, it gives users total control over their financial future.
