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Building a new
payment method

Sberbank is the largest fintech company, with over 100 million monthly active users and a vast ecosystem. I worked as a product designer and engaged in dynamic collaboration with analytics, engineers, stakeholders, and the research team. Together, we innovated and enhanced user experiences, striving to make our payment method not just efficient, but a top competitor against giants like Apple Pay, Google Pay, and traditional card or cash payments.

Problems

SberBank:

High costs of servicing terminals

Fees for payments through international payment systems
(Visa, MasterCard)

Business:

High fee of using usual acquiring (1,6%)

Increasing the number

of customers

Terminal maintenance costs

Clients:

22 million of our clients want to pay by phone but don’t have NFC

Payments security

Research

We researched foreign experiences in China and Europe,
as well as our own business and clients.

We researched foreign experiences in China and Europe, as well as our own business and clients.

66%

of businesses choose QR Pay over other payment methods

63%

of businesses use P2P transfers for accepting payments

26%

of businesses are scared of this new method

Design process

I created a Payment Customer Journey Map to identify barriers and resolve them. After discussing it with my team, we made strategic decisions to enhance the payment process.

I created a Payment Customer Journey Map to identify barriers and resolve them. After discussing it with my team, we made strategic decisions to enhance the payment process.

I designed QR payment interfaces for businesses and worked with marketing and brand designers to ensure consistent branding.


Stickers for businesses without terminals, designs for smart terminals, and self-checkouts.

I designed QR payment interfaces for businesses and worked with marketing and brand designers to ensure consistent branding.


Stickers for businesses without terminals, designs for smart terminals, and self-checkouts.

Also I designed a guidebook for our QR payment product to streamline conversations with partners and ensure consistent implementation in their technical environments. I communicated closely with all our partners to make the user experience consistent.

Also I designed a guidebook for our QR payment product to streamline conversations with partners and ensure consistent implementation in their technical environments. I communicated closely with all our partners to make the user experience consistent.

For clients, I designed an intuitive QR payment solution where you scan the QR code at the register to make a fast, secure payment via your phone without needing NFC. You can also check your balance before making a payment.

For clients, I designed an intuitive QR payment solution where you scan the QR code at the register to make a fast, secure payment via your phone without needing NFC. You can also check your balance before making a payment.

Why does it look like this? I wanted the payment page to be as personal and engaging as Apple Pay. Instead of a green gradient, you could feature a picture of your shop or a promo image to make the page unique and memorable.

Why does it look like this? I wanted the payment page to be as personal and engaging as Apple Pay. Instead of a green gradient, you could feature a picture of your shop or a promo image to make the page unique and memorable.

With this payment method, it's not just for SberBank Online users. We also collaborate
with other banks like Tinkoff and Sovkombank, allowing people to pay using their favorite bank app!

With this payment method, it's not just for SberBank Online users. We also collaborate with other banks like Tinkoff and Sovkombank, allowing people to pay using their favorite bank app!

For businesses that already have a cash office with a scanner and prefer not to change it, we developed a solution where the cashier simply scans the client’s QR code for payment.

Also, we introduced an important feature that allows transactions in the pre-login zone, so customers can make payments even without internet access in the store

For businesses that already have a cash office with a scanner and prefer not to change it, we developed a solution where the cashier simply scans the client’s QR code for payment.

Also, we introduced an important feature that allows transactions in the pre-login zone, so customers can make payments even without internet access in the store

While QR Pay was a strong solution, it was still slower than Apple Pay. To address this, I proposed creating widgets for key features to enhance the user experience. Using the JTBD (Jobs to be done) framework, I analyzed our existing solutions and identified how widgets could streamline
and improve the payment process.

While QR Pay was a strong solution, it was still slower than Apple Pay. To address this, I proposed creating widgets for key features to enhance the user experience. Using the JTBD (Jobs to be done) framework, I analyzed our existing solutions and identified how widgets could streamline
and improve the payment process.

Outcomes

545 300 MAU

+126% until feb 2021

459 000

partners use QR Pay

70%

respondents know about
QR Pay and how it works

Outcomes

545 300 MAU

+126% until feb 2021

459 000

partners use QR Pay

70%

respondents know about
QR Pay and how it works

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