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Payno

Payno’s app and brand move money with no friction

Client

Payno

Payno

Industry

Fintech · Personal finance

Fintech · Personal finance

Services

Product design, Brand identity, Web design, Campaign

Product design, Brand identity, Web design, Campaign

Year

2026

2026

Timeline

9 weeks

9 weeks

Payno’s Smarter Banking Everyday site on a tablet, with the app in hand

About project

Payno is a smart finance app: one wallet for paying, sending and tracking bills and cards, with a web dashboard for people who want to see everything at once. It had the features of a bank and the look of a spreadsheet. Agencian designed the dashboard and the mobile app around one available balance and four quick actions, drew a hand-written P for the logo, and set the whole brand in one calm navy — from the app icon to posters in the metro.

4.9

/5

/5

/5

average rating, #1 in its App Store category

average rating, #1 in its App Store category

2.5

×

×

×

weekly active users six months after launch

weekly active users six months after launch

9

weeks from kickoff to launch

weeks from kickoff to launch

The brand in use: card, site and campaign

The brand in use: card, site and campaign

The brand in use: card, site and campaign

The brand in use: card, site and campaign

Tap to pay at the counter

Tap to pay at the counter

Tap to pay at the counter

Tap to pay at the counter

One wallet, more control

One wallet, more control

One wallet, more control

One wallet, more control

Pay, send, track: the campaign film

Pay, send, track: the campaign film

Pay, send, track: the campaign film

Pay, send, track: the campaign film

How it went

Four phases, one team throughout

Four phases, one team throughout

Four phases, one team throughout

Step #1

Discovery

Discovery

2 weeks

2 weeks

Diary studies with forty Payno users, and a teardown of how they actually paid bills, split costs and checked balances.

Diary studies with forty Payno users, and a teardown of how they actually paid bills, split costs and checked balances.

Research

Research

40 diary studies

40 diary studies

Task map

Task map

Pay, send, track

Pay, send, track

2 weeks

Diary studies with forty Payno users, and a teardown of how they actually paid bills, split costs and checked balances.

Research

40 diary studies

Task map

Pay, send, track

Step #2

Product

Product

4 weeks

4 weeks

The web dashboard and mobile app: one available balance, quick actions to send, add funds, pay bills and scan QR, and upcoming payments before they are due.

The web dashboard and mobile app: one available balance, quick actions to send, add funds, pay bills and scan QR, and upcoming payments before they are due.

Dashboard

Dashboard

Web + mobile

Web + mobile

Design system

Design system

Glass cards, navy

Glass cards, navy

4 weeks

The web dashboard and mobile app: one available balance, quick actions to send, add funds, pay bills and scan QR, and upcoming payments before they are due.

Dashboard

Web + mobile

Design system

Glass cards, navy

Step #3

Brand

Brand

2 weeks

2 weeks

A hand-drawn P, a lowercase wordmark and one navy that runs from the Visa card to the app icon.

A hand-drawn P, a lowercase wordmark and one navy that runs from the Visa card to the app icon.

Identity

Identity

Logo, colour, type

Logo, colour, type

Payno card

Payno card

Visa, contactless

Visa, contactless

2 weeks

A hand-drawn P, a lowercase wordmark and one navy that runs from the Visa card to the app icon.

Identity

Logo, colour, type

Payno card

Visa, contactless

Step #4

Launch

Launch

1 week

1 week

The marketing site, metro posters and a Save 30% campaign for the first month.

The marketing site, metro posters and a Save 30% campaign for the first month.

Marketing site

Marketing site

Smarter Banking Everyday

Smarter Banking Everyday

Campaign

Campaign

Posters, social, film

Posters, social, film

1 week

The marketing site, metro posters and a Save 30% campaign for the first month.

Marketing site

Smarter Banking Everyday

Campaign

Posters, social, film

Metro posters: your money, your control

Metro posters: your money, your control

The web dashboard: balance, quick actions, bills

The web dashboard: balance, quick actions, bills

Challenges

What we had to solve

What we had to solve

What we had to solve

01

01

01

A bank’s features, a spreadsheet’s look

Payments, cards, bills and limits were all there — on eight screens with eight different layouts.

02

02

02

Money that felt stressful

People opened the app only when something had already gone wrong.

03

03

03

Web and phone out of step

The dashboard and the mobile app came from different teams and looked like two products.

Credit cards, wallet and transaction history on the web dashboard

Credit cards, wallet and transaction history on the web dashboard

Credit cards, wallet and transaction history on the web dashboard

Credit cards, wallet and transaction history on the web dashboard

What changed

Results

Results

Results

4.9

/5

average rating, #1 in its App Store category

2.5

×

weekly active users six months after launch

9

weeks from kickoff to launch

One available balance and four quick actions — send, add funds, pay bills, QR — on every screen.

Upcoming bills appear before they are due, so people open Payno before something goes wrong, not after.

One navy and a hand-drawn P tie the app icon, the Visa card and the metro posters together.

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+

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