Montra
Montra
Montra
INDUSTRY
FINTECH
DELIVERABLES
PRODUCT Strategy, UX & Interaction Design, UI & Visual Identity
PRODUCT Strategy, UX & Interaction Design, UI & Visual Identity
Montra is a comprehensive digital financial ecosystem for both personal and business users in Nigeria and across Africa. It combines banking, payments, loans, insurance, marketplace, and chat-to-pay features into a single, secure platform. For businesses, Montra offers payment acceptance (POS, QR, Soft-POS), payment gateway integration, agency banking, and online store management, all designed to streamline operations and boost trust. With a strong focus on local market challenges and a scalable tech backbone, Montra is setting new standards in African fintech.
Disclaimer: Montra was designed during my time at Enigma Digital. All rights belong to the agency and its client. This work is shared for portfolio use only.
Disclaimer: Montra was designed during my time at Enigma Digital. All rights belong to the agency and its client. This work is shared for portfolio use only.
The Starting Point
When I first looked at Montra’s old website, it felt more like a placeholder than a product touchpoint. The website was failing at its most important job: helping users understand and trust the product.
The headline said “Money Transfer Made Easy”- a decent promise, but it barely scratched the surface of what Montra actually did. There was :
No clear navigation
No segmentation for different user types
Very few cues about the product’s capabilities.
Montra wasn’t just another money transfer app. It was building a complete financial ecosystem from banking, payments, loans, insurance, chat, to shopping.
For a fintech brand, that’s a serious problem. Because if users can’t quickly understand your product, they can’t trust it - and if they don’t trust it, they won’t sign up. This was more than a design issue, it was a go-to-market risk.
As the Lead Product and UI/UX Designer on the project, my goal was clear:
👉 Redefine Montra’s positioning, rebuild trust, and redesign journeys that would convert curiosity into adoption.
When I first looked at Montra’s old website, it felt more like a placeholder than a product touchpoint. The website was failing at its most important job: helping users understand and trust the product.
The headline said “Money Transfer Made Easy”- a decent promise, but it barely scratched the surface of what Montra actually did. There was no clear navigation, no segmentation for different user types, and very few cues about the product’s capabilities. Montra wasn’t just another money transfer app. It was building a complete financial ecosystem from banking, payments, loans, insurance, chat, to shopping.
For a fintech brand, that’s a serious problem. Because if users can’t quickly understand your product, they can’t trust it - and if they don’t trust it, they won’t sign up. This was more than a design issue, it was a go-to-market risk.
As the Lead Product and UI/UX Designer on the project, my goal was clear:
👉 Redefine Montra’s positioning, rebuild trust, and redesign journeys that would convert curiosity into adoption.
Problem with the User Experience
Unclear Product Story
The old site framed Montra as a “money transfer” tool, ignoring the broader ecosystem: payments, banking, loans, chat, insurance, shopping.
Users left with the wrong impression - thinking Montra was “just another remittance app.”
→ Business Impact:
Missed opportunity to attract enterprise users and CFOs, who dismissed Montra as “just another wallet.”
Wrong mental model → low engagement, no stickiness.
Unclear Product Story
The old site framed Montra as a “money transfer” tool, ignoring the broader ecosystem: payments, banking, loans, chat, insurance, shopping.
Users left with the wrong impression - thinking Montra was “just another remittance app.”
→ Business impact:
Missed opportunity to attract enterprise users and CFOs, who dismissed Montra as “just another wallet.”
Wrong mental model → low engagement, no stickiness.
Poor Information Architecture
No clear way to differentiate user journeys: a small business CFO vs. an individual user were thrown into the same vague flow.
Limited content meant users had to guess what the platform could actually do. No structured pathways to explore features
→ Impact: Users abandoned the site due to confusion, leading to low engagement and conversions.
Poor Information Architecture
No clear way to differentiate user journeys: a small business CFO vs. an individual user were thrown into the same vague flow.
Limited content meant users had to guess what the platform could actually do. No structured pathways to explore features
→ Impact:
Users abandoned the site due to confusion, leading to low engagement and conversions.
Weak Trust Signals
In fintech, trust is everything. The old site had zero references to licensing, compliance, or security standards.
With no trust anchors, users would hesitate to share sensitive financial data.
→ Business Impact: In fintech, lack of visible trust = high churn.
Skeptical users dropped early.
Businesses didn’t see credibility.
Even if curious, people wouldn’t commit to downloading.
No Conversion Pathways
There were no meaningful CTAs guiding users to learn, explore, or sign up.
The site wasn’t built for action- it was built for presence. It lacked the capability to move users from curiosity to download.
→ Impact:
Users may have been curious, but they didn’t know what to do next. Traffic was wasted because journeys ended in dead ends.
Weak Trust Signals
In fintech, trust is everything. The old site had zero references to licensing, compliance, or security standards.
With no trust anchors, users would hesitate to share sensitive financial data.
→ Business Impact: In fintech, lack of visible trust = high churn.
Skeptical users dropped early.
Businesses didn’t see credibility.
Even if curious, people wouldn’t commit to downloading.
No Conversion Pathways
There were no meaningful CTAs guiding users to learn, explore, or sign up.
The site wasn’t built for action- it was built for presence. It lacked the capability to move users from curiosity to download.
→ Impact: Users may have been curious, but they didn’t know what to do next. Traffic was wasted because journeys ended in dead ends.
Problem with the User Interface
Outdated Look & Feel
The interface relied heavily on gradients and generic stock illustrations.
It looked more like a side project than a regulated financial product.
For fintech, this “immature” visual identity created skepticism.
→ Impact: Users did not feel safe entrusting money to a platform that visually looked unpolished and amateur.
Outdated Look & Feel
The interface relied heavily on gradients and generic stock illustrations.
It looked more like a side project than a regulated financial product.
For fintech, this “immature” visual identity created skepticism.
→ Impact:
Users did not feel safe entrusting money to a platform that visually looked unpolished and amateur.
Lack of Hierarchy & Scannability
Typography lacked hierarchy; headlines, subtext, and CTAs all blended together.
Important features (like “Licensed by CBN”) were buried in the middle of paragraphs.
→ Impact:
Users struggled to quickly understand what Montra did, leading to confusion and drop-offs.
Inconsistent Visual Language
Buttons, icons, and colors lacked consistency.
Some screens looked playful, others overly corporate - no coherent identity.
→ Impact:
Inconsistency reduced brand credibility and made the product look unreliable.
Lack of Hierarchy & Scannability
Typography lacked hierarchy; headlines, subtext, and CTAs all blended together.
Important features (like “Licensed by CBN”) were buried in the middle of paragraphs.
→ Impact: Users struggled to quickly understand what Montra did, leading to confusion and drop-offs.
Inconsistent Visual Language
Buttons, icons, and colors lacked consistency.
Some screens looked playful, others overly corporate - no coherent identity.
→ Impact: Inconsistency reduced brand credibility and made the product look unreliable.
The Redesign Approach
My role was to reposition the website as a critical product touchpoint- from a vague brochure into a product experience that drives trust, clarity, and conversion.
I worked across design, content, and strategy teams to:
Redefine positioning → Frame Montra as an all-in-one financial ecosystem.
Segment user journeys → Create tailored paths for Personal and Business users.
Embed trust signals → Highlight compliance (“Licensed by CBN, Insured by NDIC”) and reinforce them visually.
Engineer conversion paths → Introduce contextual CTAs and download prompts at every critical step.
Reframe the Narrative
We shifted the site’s focus from features to outcomes. The homepage now leads with real-world problems African businesses face-manual spending processes, lack of control, and financial inefficiencies-and positions Montra as the answer.
The content structure guides users through a clear story:
"Here’s what’s broken → Here’s what we fix → Here’s how we do it better."
What Changed
and Why
What Changed and Why
Reframing the Narrative for a Clear Product Storytelling
Instead of “money transfer made easy,” the new site positions Montra as a complete financial ecosystem.
Each product pillar (Banking, Payments, Loans, Insurance, Chat, Shop) got a dedicated section.
→ Effect on user journey:
Now, users instantly understand breadth. A CFO sees expense management tools. An individual sees peer-to-peer chat payments. Each persona recognizes Montra’s relevance without guessing.
Segmented User Journeys for Different Personas
The new navigation splits into Personal and Business, creating intentional entry points.
Each section guides users through use cases, not just features.
→ Effect on user journey:
Instead of wandering through a generic flow, users get role-specific clarity. Business users dive into cashflow control; individuals into fast payments. Each had a tailored discovery path. Friction drops, engagement rises.
Building Trust into the Design
Compliance markers (“Licensed by CBN, Insured by NDIC”) are placed strategically.
Visual language updated: leaning into bold typography, generous white space, and subtle motion to bring energy and polish without noise.
The interface feels professional but not cold; modern but grounded. The palette combines neutral tones with deep blues and vibrant accents-evoking security, clarity, and momentum.
→ Effect on user journey:
Skeptical users now trusted the platform enough to continue. The product no longer looks like a startup experiment, it looks bank-grade. Drop-offs at early stages decreased.
Conversion-Oriented Flows
Each feature section ends with clear CTAs: “Learn More,” “Get Started,” or app download prompts.
Repeated, contextually-placed app store buttons ensure conversion isn’t hidden.
→ Effect on user journey: Instead of dead ends, users now experience a guided funnel:
Explore → Understand → Act. Conversions no longer depend on chance.
What Changed
and Why
Reframing the Narrative for a Clear Product Storytelling
Instead of “money transfer made easy,” the new site positions Montra as a complete financial ecosystem.
Each product pillar (Banking, Payments, Loans, Insurance, Chat, Shop) got a dedicated section.
→ Impact:
Now, users instantly understand breadth. A CFO sees expense management tools. An individual sees peer-to-peer chat payments. Each persona recognizes Montra’s relevance without guessing.
Segmented User Journeys for Different Personas
The new navigation splits into Personal and Business, creating intentional entry points.
Each section guides users through use cases, not just features.
→ Impact:
Instead of wandering through a generic flow, users get role-specific clarity. Business users dive into cashflow control; individuals into fast payments. Each had a tailored discovery path. Friction drops, engagement rises.
Building Trust into the Design
Compliance markers (“Licensed by CBN, Insured by NDIC”) are placed strategically.
Visual language updated: leaning into bold typography, generous white space, and subtle motion to bring energy and polish without noise.
The interface feels professional but not cold; modern but grounded. The palette combines neutral tones with deep blues and vibrant accents-evoking security, clarity, and momentum.
→ Impact:
Skeptical users now trusted the platform enough to continue. The product no longer looks like a startup experiment -it looks bank-grade. Drop-offs at early stages decreased.
Conversion-Oriented Flows
Each feature section ends with clear CTAs: “Learn More,” “Get Started,” or app download prompts.
Repeated, contextually-placed app store buttons ensure conversion isn’t hidden.
→ Impact:
Instead of dead ends, users now experience a guided funnel: Explore → Understand → Act. Conversions no longer depend on chance.
The New Experience
With the redesign, Montra’s site isn’t just a digital brochure, it’s a strategic product interface that:
Communicates value clearly.
Aligns with user expectations.
Reduces friction in decision-making.
Builds credibility in a trust-sensitive industry.
The user journey now flows like this:
Enter the site → Identify yourself (Personal or Business).
Scan feature modules → Understand outcomes in under 30 seconds.
See trust signals → Gain confidence.
Click CTA → Convert.
The New Interface
Modern, Fintech-Grade Identity → Sleek, minimal design system with professional typography + refined palette. The redesigned UI doesn’t just mirror global fintech leaders like Stripe, PayPal, and Revolut in credibility- it also introduces a touch of delight and exploration.
Shifted perception from “small wallet app” to “serious financial ecosystem.”
Stronger Visual Hierarchy → Clear headline-subhead structure, bold CTAs, feature cards with icons. Users now grasp value in seconds, reduced cognitive load, higher engagement.
Consistent, Cohesive System → A unified design system where buttons, icons, and components follow the same rules, balancing approachability (soft curves, friendly colors) with authority (professional typefaces, trust badges).
Increased trust and reliability.
Trust-Centered Visual Cues → Security and compliance (badges, lock icons, NDIC/CBN mentions) paired with social proof (testimonials, ratings, partner logos) reassure users, critical in a high-stakes fintech product.
Modern, Fintech-Grade Identity → Sleek, minimal design system with professional typography + refined palette. The redesigned UI doesn’t just mirror global fintech leaders like Stripe, PayPal, and Revolut in credibility- it also introduces a touch of delight and exploration.
Shifted perception from “small wallet app” to “serious financial ecosystem.”
Stronger Visual Hierarchy → Clear headline-subhead structure, bold CTAs, feature cards with icons. Users now grasp value in seconds, reduced cognitive load, higher engagement.
Consistent, Cohesive System → A unified design system where buttons, icons, and components follow the same rules, balancing approachability (soft curves, friendly colors) with authority (professional typefaces, trust badges). Increased trust and reliability.
Trust-Centered Visual Cues → Security and compliance (badges, lock icons, NDIC/CBN mentions) paired with social proof (testimonials, ratings, partner logos) reassure users, critical in a high-stakes fintech product.
Modern, Fintech-Grade Identity → Sleek, minimal design system with professional typography + refined palette. The redesigned UI doesn’t just mirror global fintech leaders like Stripe, PayPal, and Revolut in credibility- it also introduces a touch of delight and exploration.
Shifted perception from “small wallet app” to “serious financial ecosystem.”
Stronger Visual Hierarchy → Clear headline-subhead structure, bold CTAs, feature cards with icons. Users now grasp value in seconds, reduced cognitive load, higher engagement.
Consistent, Cohesive System → A unified design system where buttons, icons, and components follow the same rules, balancing approachability (soft curves, friendly colors) with authority (professional typefaces, trust badges). Increased trust and reliability.
Trust-Centered Visual Cues → Security and compliance (badges, lock icons, NDIC/CBN mentions) paired with social proof (testimonials, ratings, partner logos) reassure users, critical in a high-stakes fintech product.
Business Impact
Repositioning: Montra is no longer “just a money transfer app” but a credible, full-scale fintech ecosystem.
Improved Engagement: Segmented flows and a modern, fintech-grade UI make product capabilities instantly clear, keeping users engaged longer. Different personas now find value faster.
Stronger Trust: Consistent visual language, compliance badges, and professional design elevate credibility, reducing user hesitation.
Conversion-Ready: Clear CTAs, structured layouts, and contextual prompts guide users seamlessly from exploration to action.
Brand Equity: A cohesive, scalable design system reinforces Montra’s authority and trustworthiness across all touchpoints.
Key Takeaways
This project was more than a redesign.
It was a repositioning of Montra’s market presence through product-led UX: Aligning product communication, trust, and flows with how real users think and act. Transforming a broken entry point into a strategic product touchpoint.
As a Product Designer, I identified the risks: Unclear positioning, broken journeys, weak trust, dead-end funnels.
As a UI/UX Designer,
I crafted the solutions: segmented flows, stronger trust signals, clearer storytelling, conversion-driven design.
I elevated the experience visually: A modern fintech-grade identity, cohesive design system, and trust-centered visual cues that reinforced credibility.
The outcome is a site that sells the product the way it’s actually used - in clean, comprehensible journeys for people and for businesses.
This project was more than a redesign.
It was a repositioning of Montra’s market presence through product-led UX: Aligning product communication, trust, and flows with how real users think and act. Transforming a broken entry point into a strategic product touchpoint.
As a Product Designer, I identified the risks: Unclear positioning, broken journeys, weak trust, dead-end funnels.
As a UI/UX Designer,
I crafted the solutions: segmented flows, stronger trust signals, clearer storytelling, conversion-driven design.
I elevated the experience visually: A modern fintech-grade identity, cohesive design system, and trust-centered visual cues that reinforced credibility.
The outcome is a site that sells the product the way it’s actually used - in clean, comprehensible journeys for people and for businesses.
This project was more than a redesign.
It was a repositioning of Montra’s market presence through product-led UX: Aligning product communication, trust, and flows with how real users think and act. Transforming a broken entry point into a strategic product touchpoint.
As a Product Designer, I identified the risks: Unclear positioning, broken journeys, weak trust, dead-end funnels.
As a UI/UX Designer,
I crafted the solutions: segmented flows, stronger trust signals, clearer storytelling, conversion-driven design.
I elevated the experience visually: A modern fintech-grade identity, cohesive design system, and trust-centered visual cues that reinforced credibility.
The outcome is a site that sells the product the way it’s actually used - in clean, comprehensible journeys for people and for businesses.
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Designed by me. Approved by no one. © 2025 Diksha Yadav.
Designed by me. Approved by no one. © 2025 Diksha Yadav.
Delhi, India