Government Payments

Budget, Taxes & Fines Payments

Qatar Bank • NDA • The project was delivered under NDA. All visuals and data are anonymized

Overview

This case describes the design of a government payments platform for a major bank in Qatar. The product enables individuals and businesses to pay taxes, fines, duties, and other government fees through a single digital channel

WORKED WITH NATIONAL-SCALE COMPANIES, BANKS AND ENTERPRISE PLATFORMS • 10+ YEARS · FINTECH, HR TECH •

Senior Product Designer building enterprise digital products used by millions. 10+ years · Fintech, HR Tech, Platforms · Web & Mobile · Leading teams and delivery

WORKED WITH NATIONAL-SCALE COMPANIES, BANKS AND ENTERPRISE PLATFORMS • 10+ YEARS · FINTECH, HR TECH •

Senior Product Designer building enterprise digital products used by millions. 10+ years · Fintech, HR Tech, Platforms · Web & Mobile · Leading teams and delivery

Product type

Retail + SME Banking (B2C / B2B2G)
~9 months (discovery → production launch)


My role

Senior Product Designer
End-to-end ownership: discovery, UX architecture, interaction design, UI, design system alignment, stakeholder reviews.

Platforms

Web & Mobile Banking



Web & Mobile Banking

Business context

Government-related payments are high-responsibility transactions with no margin for error. Incorrect payments lead to refunds, regulatory risk, and high operational costs. The bank’s objective was to: increase adoption of digital government payments, reduce payment errors and support load, provide a compliant, auditable, and scalable solution

Business context

Government-related payments are high-responsibility transactions with no margin for error. Incorrect payments lead to refunds, regulatory risk, and high operational costs. The bank’s objective was to: increase adoption of digital government payments, reduce payment errors and support load, provide a compliant, auditable, and scalable solution

Business context

Government-related payments are high-responsibility transactions with no margin for error. Incorrect payments lead to refunds, regulatory risk, and high operational costs. The bank’s objective was to: increase adoption of digital government payments, reduce payment errors and support load, provide a compliant, auditable, and scalable solution

The design process

  1. Competitors analysis

  1. User study and hypothesis generation

  1. Prototyping and tests

  1. Corner cases and team synchronisation

  1. Iterations

  1. Competitors

At a Qatar Bank entity in Kazakhstan (NDA), I designed the Government Payments experience end-to-end—from research and UX flows to stakeholder/compliance reviews—supporting parallel delivery across Web, iOS, and Android, and validating the final solution through design QA and staging/UAT testing.

  1. JTBD

To design a safe and compliant government payments experience, I mapped the end-to-end customer journey across discovery, validation, confirmation, and post-payment stages — focusing on error prevention, trust signals, and legally valid outcomes.

Let's adress some of the user's pain points for this case

  1. UX tests

I conduct in-person UX testing to observe real user behavior and validate critical flows, and I also run moderated/unmoderated sessions using tools like Fabuza to record sessions, capture insights, and document actionable findings for the product team.

That's some insights I've recieved through tests:

  1. Corner cases

I design and validate corner cases (errors, exceptions, and rare but high-risk scenarios) to ensure critical flows remain clear, compliant, and safe—especially where actions are irreversible, data must be strictly validated, or permissions and limits apply.

  1. Iterations

UX writing

Stakeholders review

Legal team requirements

Design system integration

Development team

Constraints & Requirements

This project required precision, clarity, and consistency rather than speed or visual expressiveness.

Regulatory and compliance requirements (KYC, AML, audit)

Multiple government authorities, different validation rules

No tolerance for incorrect data submission

Mandatory transaction transparency and confirmation

Results

After launch, the solution demonstrated measurable improvements:

38%

reduction
in payment errors

42%

decrease in related
support tickets

29%

growth in digital
channel adoption

Outcome

The focus was on trust, clarity, and compliance, ensuring users can complete critical payments with confidence. This project demonstrates my experience in designing:

High-responsibility financial flows

Government-related payment systems

Products operating in regulated environments

Scalable UX for retail and SME banking

  • Sign multiple payments at once

  • Double-check before payment

  • Employee management inside the payment flow

  • Error prevention when importing payments from accounting software

Sign multiple payments at once

Employee management inside the payment flow

Error prevention when importing payments

Double-check before payment

Case

Next case

Digital Onboarding & KYC

Onboarding & KYC

Client

Qatar Bank

Year

2023—current

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I’ve had the chance to work with some truly great people across a variety of companies — it was both fun and rewarding. Hopefully one day you’ll cross paths with them, and they’ll have good things to say about what we accomplished together

WORKED WITH NATIONAL-SCALE COMPANIES, BANKS AND ENTERPRISE PLATFORMS • 10+ YEARS · FINTECH, HR TECH •