The original Thai interface is retained to reflect the real product experience designed for the local market.
TrueMoney aimed to expand beyond traditional e-wallet capabilities by exploring a next-generation virtual banking ecosystem. The project focused on designing a future banking experience proposal for regulatory approval by the Bank of Thailand, combining digital banking, financial literacy, AI assistance, lending, and personalised financial management.
Project Context
Building a digital bank that grows with every customer
TrueMoney Virtual Bank was designed around the idea of becoming an “Everyday Bank for Every Thai” — a financial ecosystem that goes beyond payments by supporting users across different stages of their financial journey.
The concept contributed to TrueMoney’s virtual banking proposal and future digital banking direction. The project received regulatory approval, with CP Group (Charoen Pokphand Group) and TrueMoney announced as part of Thailand’s virtual banking development initiative in 2025.
Project Context
The strategy focused on two major customer segments:
Retail Customers (Individual Users)
Supporting everyday financial needs:
Accessing banking services easily
Building better saving habits
Understanding financial health
Receiving personalised financial recommendations
Accessing responsible lending and investment opportunities
MSME / Business Customers
Supporting small businesses and entrepreneurs:
Separating personal and business finances
Managing cash flow
Accessing business banking tools
Supporting business growth through financial products
The challenge was not only creating a banking application, but also designing a scalable ecosystem that could support different customer behaviours and financial maturity levels.
Collaboration
This was a large-scale initiative split across three designers.
My ownership
Product concept direction
Visual identity exploration
Homepage ecosystem
Financial health experience
Financial simulation
Lending journey
Team ownership
Supporting user flows
Extended feature development
My Contribution
01 — Product Vision & Brand Direction
Since this was a new financial product concept, my responsibility started before interface design. I explored the visual identity direction, including:
Colour Exploration
Green + Orange Direction — Green represented CP Group identity, trust, growth, and financial stability. Orange maintained TrueMoney’s existing brand recognition and energy.
Blue + Orange Direction — Explored because blue is commonly associated with banking, security, and reliability.
Final direction:
Green + Orange + Black — Creating a more modern, premium, and intelligent banking personality while maintaining a connection with TrueMoney.
02 — Homepage Experience Strategy
The homepage was designed as a personalised financial dashboard connecting multiple services into one ecosystem:
Financial Health Overview — A quick snapshot helps users understand their financial status.
Smart Recommendations — Personalised insights based on behaviour and financial needs.
Account Management — A unified view between personal and business banking.
Action-Based Widgets — Contextual reminders and next-best actions.
03 — Financial Health Experience
Instead of only showing numbers, the experience helps users understand:
Current financial situation
Spending behaviour
Saving progress
Recommended next actions
The goal was:
"Not only showing users their money, but helping them make better financial decisions”
04 — Financial Simulation
Designed simulation experiences allowing users to explore:
Loan planning
Saving scenarios
Future financial goals
This reduces uncertainty and supports responsible decision-making.
05 — Lending Experience
The lending experience focused on:
Clear eligibility information
Simple application flow
Transparent repayment details
User confidence before commitment
Outcome
System Thinking Before Interface Design
Because the service included banking, lending, investment, insurance, and business tools, the design process required an understanding of Financial regulations, product relationships, the customer lifecycle, and banking operations. The focus was not on designing isolated features but on creating a connected financial ecosystem.
The biggest challenge was also balancing:
Business ambition — Expanding TrueMoney ecosystem
Regulatory requirements — Meeting banking and compliance standards
Technical feasibility — Building a scalable future roadmap
User needs — Making complex financial services simple.
One of the biggest UX challenges was designing for different user perspectives:
Individual customer view: “How do I save and grow my money?”
Business owner view: “How do I manage and expand my business?”
Bank perspective: “How do we provide personalised financial services responsibly?”
Because of the approval timeline, design exploration happened in parallel with product definition, requiring constant alignment with product managers, business teams, and compliance stakeholders.
"This project challenged me to think about how individual features connect into a complete financial ecosystem — balancing user needs, business opportunities, regulatory requirements, and long-term product vision. Designing for virtual banking required a deeper understanding of financial products such as lending, savings, investment, and insurance. It helped me grow as a designer who can bridge user experience, product strategy, and business transformation."
