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CASE STUDY Unifying payment experience across Grab

DESIGN SYSTEM, UX, MOBILE
ROLE
Product Design Lead
RESPONSIBILITIES
Lead the redesign, usability test & design reviews.
YEAR
2021-2024

✺ –
Overview

ORGANIZATION

~100%

✹ Design system coverage

PRODUCT

Increased speed of delivery and quality

FINANCIAL

~1.13M

✹ Increase in cashless users across all markets

CUSTOMER SUCCESS

Better error recovery for users

✺ –
The problems at a glance

Beside improving key business metrics, elevating design quality (aesthetic, craft quality, user experience & emotional connection) was also part of my responsibilities. Through internal audit, we identified 3 problem areas to focus on:

1

Manual design

Designers having to recreate visually outdated screens from scratch. No design system caused poor velocity.

2

Inconsistent design patterns

Without an agreed upon approach to error recovery, every team created their own experience, confusing users.

3

Inconsistent payment information

Payment info was different everywhere, new components introduced spawning new inconsistencies.

Lastly, in the year 2021, it was difficult to prioritize systems changes, Grab preferred small incremental improvements over large scale revamp projects.

✺ –
Objectives

To elevate the Grab payments design quality, we needed to achieve these objectives:

Design system

Navigate org complexity to implement the design system

DESIGN PATTERN

Unify the payment patterns across the Grab consumer app

✺ – 1
Navigating org changes to implement the design system

Challenge

The pain of inefficiency and inconsistency got to us, we kicked off the creation of a unified design system. I led the design of the Payment Method List Item, our most used element.

We hit a snag however, design system work was not a priority, how do we get them implemented in code when we didn't have engineering resources?

Above
Auditing and redesigning the Payment Method List Item v1.0

Negotiate opportunities

I approached negotiation as team work, addressing my peers' concerns:

  • By highlighting the efficiency benefits and removing flow improvement from scope, I got our engineers and PM onboard.
  • I provided P0 & P1 designs as we collaborated to estimate efforts for our backlog items.
  • Finally, we found a project with ample timeline and P1 saw the light of day.
Above
P1 design waiting patiently

Create opportunities

In parts of the flow where I was not the owner of, I recommended experiments to improve the team's metrics. With that, more consistent UI were rolled out and the experiment also yielded positive business results.

Our team was the first to adopt the vertical contribution model, kicking off adoption across Grab.

BEFORE
3 taps to add new payment method
AUTO-FALLBACK
Only 2 taps, surface Add Method list earlier
UI update for the booking flow
Increased Net Cashless Method Attempt Rate by +4.56pp; Cashless Conversion Rate by +2.7pp (~1.13M users across all markets)

Grasp opportunities

Post +12 arduous months rolling out v1.0, Grab got a Design System team, a quality metric and a new Universal List Item pik .

The new consolidated List Item was complex. I worked with the Design System team and engineers to create a payment instance of the List Item, simplifying usage for our team.

After adapting many more components, the core payment screens achieved 99-100% Design System Adoption Score.

Above
Rocking that adoption score

✺ – 2
Unifying the payment flows

Prioritizing error flows

With the organization aligned on quality being one of our important focus of 2023, we had the opportunity to zoom out and review the entire payment flows. Amongst many options, we decided to prioritize tackling our most inconsistent flows, the error flows.

Principles of Payments Design

We looked at our user psychographic segmentation to draft some principles for the redesign. From the data, it was apparent that we needed to design for both convenience & hands-off relief and control & security.

THE LEAN-IN MAXIMIZER

~70–80%

✹ Users who value promos, diverse options, control/security

✹ The majority of Grab users

THE LAID-BACK SATISFICER

~20–30%

✹ Users who value simplicity, convenience, hands-off relief

✹ Big spenders

Our users also have 2 jobs on the booking flow, main job to make payment and secondary job to manage their methods.

Unified error flows

We audited the error flows and categorized the error scenarios into before and after users tap Book on the Booking screen.

Following the principle of hands-off relief, the system should always automatically recommend next available method or resolution, enabling users to make payment.

We identified 3 patterns to help users resolve issues:

BLOCK THE BOOKING FLOW
Before users tap Book, no alt method available
Block the booking flow and provide CTA to resolve issues or add new method
AUTO-FALLBACK
Before users tap Book, alt method available
Auto-fallback to another available method
RECOMMEND ACTION
Can only identify errors after users tap Book
After users tap Book, surface bottom sheet to recommend methods and actions

I suggested that we simplify the logic to unify the pattern further by using bottom sheet confirmation for all of the scenarios. For example:

If something happened to users' default method, the system auto fell back to the next available method.

BEFORE
Nudge informing users of auto-fallback is not obvious (nudge blindness)
Confusion for users
AUTO-FALLBACK
More obvious toast message & continued messaging throughout booking
Show change with notification badge
Separate Available & Unavailable methods

I disagreed with the premise of auto-fallback. My manager preferred the auto-fallback experience as it provided hands-off relief. But I raised the risk of auto-fallback making our Lean-in Maximizers feel like control is taken away, and perceive the platform as unreliable.

I recommended an alternative to balance between convenience and control while also preserving the pattern of surfacing a confirmation bottom sheet:

RECOMMENDATION
Confirmation modal to inform users (Control)
Auto-recommend next available method (Convenience)
Allow users to select other methods (Control)

Ultimately, we prioritized the experience for the higher value spenders for whom convenience is the most important. I suggested keeping track of drop-offs and CS tickets as guardrails.

Based on the data, many Laid-back Satisficers in Singapore don't carry cash and ~70.95% of all users only have 1 card linked. This meant many users would fall back to cash, causing frustration at the end of their ride. It is worth looking into improving this experience in the future.

From flow to screen

With the holistic view of the error flows in mind, I created a guideline for errors on the Payment Method Selection screen, supporting users' secondary job of managing their methods and their status.

All methods universally disabled
All methods are disabled due to the same reason e.g, Security risks
Use page-level banner
Error message & CTA to resolve issues
disabled due to service condition
E.g., Certain restaurants or ride type do not accept Mastercard
Use disabled state
Error message to inform users & link to additional information
something's wrong with the method
E.g, Card is expired, Wallet spending limit maxed out
Use error state
Error message & CTA if users choose to resolve the issues

✺ – 3
Unifying payment information

All in this together

Zooming into the details once the flow and screen patterns were identified, I led several design jams and reviews where we mapped out 4 different types of payment information, that would show up across the Grab app, ensuring the states and UI are consistent.

All around the world

Consistency does not mean everything needs to be the same. I worked with our Content Designers to audit core payment terminologies and localize them into 7 languages. We built these into our content guidelines for components.

✺ –
Results

ORGANIZATION

~99–100%

✹ Design system coverage

PRODUCT

Increased speed of delivery and quality

FINANCIAL

~1.13M

✹ Increase in cashless users across all markets

CUSTOMER SUCCESS

Positive testimonials on improved error recovery

I set up usability tests and interviewed our users. We received positive testimonials as they could better identify errors, understood how to resolve from universal to method specific issues.

Proud to have pushed through, it was my second and then final project at Grab, coming full circle and closing out my time with this wonderful team.

✺ –
Reflections

Start from the context of the organization, then people

  • Depending on the organization culture or design maturity, use different approaches to move things forward.
  • Look out for people who I can negotiate with.
  • Once there’s a cadence with the first component implemented, it’s easier to repeat the process with other components.

Persevere

  • This “project” spanned the entire time I was an IC at Grab with a large gap of nothingness in between.
  • System work is forever, it'll always come back around. It is a marathon and requires constantly keeping at it.

Even on component level, it’s important to zoom out

  • Looking at component from the Flow level, to Screen then individual State helped us make more holistic decisions.
  • The best-est effective way to create consistency is to collaborate and document design decisions.

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