Fintech

Bill Pay Migration Part 2 - Unifying Two Platforms

Client

Two major Fintech firms in U.S.

Duration

2 months

Date

Oct 13, 2025

( 01 )

Business Context

Two platforms, one urgent deadline, and a critical client experience problem

Two platforms, one urgent deadline, and a critical client experience problem

A Fortune 100 financial services firm needed to migrate bill payment features across two platforms before a vendor contract expired, while fixing late payment issues affecting high-value clients and driving adoption on an outdated system.

( 02)

My Role

Sole designer orchestrating decisions across 2 platforms and 3 design systems

What I owned:

  • End-to-end redesign of bill payment landing pages

  • Cross-platform design system alignment

  • Stakeholder coordination across Product, Engineering, Compliance, Accessibility, and 3 design teams

  • Strategic delivery planning under tight timelines

What I owned:

  • End-to-end redesign of bill payment landing pages

  • Cross-platform design system alignment

  • Stakeholder coordination across Product, Engineering, Compliance, Accessibility, and 3 design teams

  • Strategic delivery planning under tight timelines

( 03 )

Impacts

Performance & Quality

  • 30-35% faster page loading by replacing legacy components

  • WCAG 2.1 compliance achieved across all pages

Business & Clients

  • 20% projected enrollment increase in Platform B bill payment

  • Improved satisfaction for high-net-worth clients through late payment resolution

Design & Team

  • Established new pattern for mobile/web separation when constraints justify it

  • Influenced unified platform strategy through component decisions

( 04 )

The Core Problem

When accessibility rules, business goals, and platform standards conflict and one solution can't satisfy them all.

The tension:

Mobile bill payment had a scannable, user-friendly layout with no horizontal scrolling. Product wanted to preserve this better experience. But Platform B's standards required horizontal scroll for consistency, accessibility rules prohibited hiding data when screens resize, and engineering preferred one simple approach for both web and mobile.

What was tricky:

  • Mobile table layouts also appeared in web panels — mobile decisions affected web patterns

  • Web responsive design (large to small screens) must maintain data consistency per accessibility standards

  • Platform B required horizontal scroll across all screen sizes

  • Business didn't want to compromise mobile UX quality

  • Every stakeholder had valid priorities that conflicted with others

( 05 )

My Strategic Approach

Mapping constraints to find what matters most to each stakeholder

Mapping constraints to find what matters most to each stakeholder

( 06 )

Navigating Resistance & Building Alignment

Walking each stakeholder through why their priorities required different solutions

The pushback:

  • Engineering: "This adds unnecessary complexity"

  • Product: "Are we compromising the mobile experience we promised?"

  • Accessibility & Design teams: "Will this create compliance risk or future technical debt?"

How I built buy-in:

  • To Engineering: Showed that standard table works for web across both platforms (reduces overall complexity). Mobile card component is targeted exception where business value justifies extra work.

  • To Product: Explained accessibility constraints prevent scannable format on web responsive, but we can deliver it for mobile by treating them separately — giving them the better UX where it's actually possible.

  • To Accessibility & Design leaders: Demonstrated how separation preserves compliance (no data removal on responsive web) while mobile pattern follows established card component guidelines.

Secured alignment from mobile teams, accessibility teams, product managers, and all three design system leads by showing how the compromise delivered each group's highest priorities.

The result:

The result:

( 07)

Key Decisions & Tradeoffs

What I optimized for and what I gave up to get there

 I separated mobile app design into a distinct workstream with different component strategies. It influenced how a unified platform team approaches mobile-first design and when to treat mobile apps differently from responsive web, which sets precedent for strategic exceptions when constraints and user needs justify them.

What this achieved:

  • Better mobile UX (scannable cards vs. horizontal scroll)

  • Accessibility compliance on web responsive

  • Alignment with Platform B standards where it mattered most

  • Business satisfaction on user experience goals

( 08 )

Outcome

Both experiences shipped and the approach became a new team pattern

Both experiences shipped and the approach became a new team pattern

What launched:

  • Web responsive with compliant horizontal scroll patterns (Platform A & B)

  • Mobile app with scannable card layouts (in production, launching soon)

Broader impact:

  • Demonstrated how to navigate conflicting stakeholder priorities through clear constraint mapping

  • Mobile separation approach adopted by other teams for similar projects

  • Built credibility and trust that extended beyond this project

( 09 )

What I learned

Product design is about making strategic decisions when every option has downsides.

Product design is about making strategic decisions when every option has downsides.

Key takeaways:

On cross-system alignment: Building the hybrid design system early forced deep understanding of constraints and gave stakeholders concrete artifacts to evaluate rather than abstract concepts. This prevented costly late-stage misalignment.

On stakeholder navigation: Visually mapping conflicting constraints (accessibility vs. business goals vs. platform standards) helped stakeholders see tradeoffs clearly rather than arguing past each other. The mobile-web separation only worked because everyone understood why one perfect solution didn't exist.

What I'd do differently: Involve accessibility and design system teams even earlier — during initial component evaluation rather than after narrowing options. Their input would have surfaced the mobile-web tension sooner.

Systems thinking: Understanding how design decisions ripple across platforms, teams, and future strategy — is what differentiates senior designers from executors. It's not just about making things look good; it's about making decisions that work across organizational, technical, and strategic dimensions simultaneously.

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