As PSD2 regulations reshaped the European financial landscape, Raiffeisen Bank International saw a unique opportunity for the region. In many Eastern European markets, financial literacy remains a challenge. The goal was to create a product that not only closed that gap, but one that felt tailored to the daily needs of a regional audience, intuitive, reliable, and future-ready.

I led the design for the Payments stream, working with a small hybrid team that included 1x Junior designer, 2x front-end, and 2x back-end developers. I partnered with the lead Business Analyst and core stakeholders to ensure the solution remained tightly aligned with user needs and business priorities.

To deliver value quickly and iteratively, we adopted lean product design practices such as co-creating wireframes with stakeholders, validated early flows with internal testers, and aligned technical feasibility in weekly refinement sessions. We also built and refined hypotheses directly from behavioural insights and simplified complex flows around multi-account management to support the region’s financial habits more confidently.