Distinct Hierarchy & User Control in Landing Page

We have reduced the cognitive overload by including clear categories like ‘Recharge and Bills’, ‘Brands’, Investment’ etc. The primary functionalities are in focus and not buried anymore : Scan & Pay, Transfer to contact, Transfer to Bank Account, Transfer to Self. To improve visibility and user control, user can always now view the Available Balance, Selected Account, QR and can switch accounts with minimal effort. User has been made aware of a compelling list of secondary offerings with a primary CTA to respectively navigate them.

Introducing BHIM Wallet - a personalised user space with their payment data already captured, thus reducing their efforts drastically and optimising the checkout process, in parallel with competitor products in the market.

Transaction tab - Credited/Debited/Rewards and Filtering and sorting functionality to reduce ordeal of scanning. Each card shows the category of payment, status, date, receiver name and amount. On clicking they can view details, invoice or share it

Transferring to Bank Accounts

Based on the previous payment history of user, banks and contacts are compiled under "Recent" and "Popular" to lend a personalised experience that requires minimal effort. The IFSC Code and Bank account name will auto-filled based on data extracted from bank servers unlike the current BHIM App. The longer checkout process is shortened now with a fixed Proceed button at the bottom, nudging the user to complete the process.

Enhancing Transparency and User Freedom in Payment Process

The Payment process now provides a single clear pathway from selection to checkout, with consistent color scheme and branding at every stage to make the experience familiar and trustworthy. Using auto - fill and Recents, user efforts have been reduced. The validity of each user is maintained and visible to their contacts in order to start a credible transaction. User can easily switch between payment options and Add Money or Add Bank Account , without going an extended route. To reduce unwanted actions and errors, at every stage user can check the Payment Account and Balance.

Currently in the Indian market, users tend to use 3rd party apps like Splitwise to split any transaction. With "Split with friends" the user can complete that action easily here itself while been able to share the payment history as well. User has been given validation for the payment success with a clear concise payment history. At every page, Help or Support is there to improve any kind of user assistance from BHIM Service team.