Type
Type
Mobile App Design
Fintech Product Design
Responsive Web Dashboard
Mobile App Design
Fintech Product Design
Responsive Web Dashboard
Worked For
Worked For
Designed while working with XTM Inc.
Designed while working with XTM Inc.
My Role
My Role
UX/UI Designer
Collaborated with Head of Design
UX/UI Designer
Collaborated with Head of Design
Tools
Tools
Figma
Miro
Asana
Figma
Miro
Asana
Industry
Industry
Fintech
Hospitality / Employee Payouts
Fintech
Hospitality / Employee Payouts
Deliverables
Deliverables
iOS and Android app design
Responsive web dashboard
User flows
Wireframes
High-fidelity UI
Design system
Product experience design
Responsive Website
Creative Direction
UX/UI Design Wix
Website Build
Inquiry Flow
iOS and Android app design
Responsive web dashboard
User flows
Wireframes
High-fidelity UI
Design system
Product experience design
Designing a mobile wallet experience for instant tip access.
Today is a fintech product built for hospitality workers who need faster access to their earned gratuities. As part of the XTM Inc. design team, I contributed to the UX/UI across iOS and web — helping turn manual tip distribution into a secure, easy-to-use digital wallet experience.
Designing a mobile wallet experience for instant tip access.
Today is a fintech product built for hospitality workers who need faster access to their earned gratuities. As part of the XTM Inc. design team, I contributed to the UX/UI across iOS and web — helping turn manual tip distribution into a secure, easy-to-use digital wallet experience.
Faster, Smarter Payments with TipsToday
+
Track your spending, grows your savings, and getting paid faster.
Faster, Smarter Payments with TipsToday
+
Track your spending, grows your savings, and getting paid faster.
Faster, Smarter Payments with TipsToday
+
Track your spending, grows your savings, and getting paid faster.
Instant Tip Access
See available funds, access earnings after a shift, and more.
Instant Tip Access
See available funds, access earnings after a shift, and more.
PROBLEM
In the hospitality industry, gratuity distribution still relies on cumbersome, manual processes that create frustration and inefficiency at every level.
Managers must collect, sort, and reconcile paper tip logs or spreadsheets often leading to errors, delays of several days or weeks, and time-consuming administrative overhead.
Meanwhile, staff face uncertainty and financial stress as they wait for their hard-earned tips to trickle through a slow, opaque system. This outdated approach not only robs employees of timely access to their earnings but also diverts valuable management resources away from guest-facing priorities, highlighting a clear need for a streamlined, digital alternative.
Enable users to make purchases online or in stores, withdraw cash from ATMs, and pay bills. This eliminates the risk and hassle of carrying physical cash or checks.
Convenient & secure payment method
1
Provide tools to load funds onto the card and set personalized spending limits, helping users stay on track with their budgets and avoid accidental overspending.
Budget
management
2
Surface up-to-the-second transaction details and balance updates so users can monitor their expenses, understand their cash flow, and make informed decisions on the fly.
Real-time financial control
3
The platform can be particularly useful for individuals that may not have access to traditional banking services or credit cards. Manage their finances easily.
Access to essential financial services
4
The Need?
Core requirements Today App must fulfill
Core requirements Today App must fulfill
Hospitality workers juggle unpredictable hours, cash tips, and tight budgets—and they need a solution that empowers them financially. Today App addresses four fundamental needs:
Hospitality workers juggle unpredictable hours, cash tips, and tight budgets—and they need a solution that empowers them financially. Today App addresses four fundamental needs:
User problem statement
“When I get tips, I want to be able to get those gratuities right away and into my bank account the same day so I can use it to pay my rent, bills, or going out.”
“When I get tips, I want to be able to get those gratuities right away and into my bank account the same day so I can use it to pay my rent, bills, or going out.”
Solution snapshot
A unified wallet for on-demand payouts and financial empowerment for the hospitality industry.
Dive into Playlog’s core flows → from the very first welcome screen through to live event creation and see how every tap is optimized to get users sharing memories faster. In under a minute, hosts can name their event, lock down privacy settings, add fun prompts, and generate a shareable link or QR code. With clear visual cues and one-screen setup, Playlog removes friction so users spend less time configuring and more time connecting.
Transaction page
The transaction page brings together an activity log, purchase filters, and a clear account-balance banner so users can see exactly where their money came from and where it went.
The app automates on-demand payouts, depositing gratuities straight into the Today Wallet. Free, unlimited point-of-sale (POS) and online transactions mean you can spend anywhere, shop anywhere, and never wait for your earnings.
Bill Payments
Pay utility, rent, and other bills directly in-app.
Saved payees and one-tap scheduling reduce friction on repeat payments.
Real-time confirmation so users know their bills are handled—no checks, no trips to the bank.
Lets users handle rent, utilities, and other recurring expenses without leaving the app.
E-transfer
Effortless to send funds to any bank account in just a few taps. Whether its splitting a tab with coworkers or covering unexpected costs, instant notifications and status updates keep users informed every step of the way.
Earn rewards
Today App isn’t just a debit card, it’s a way to earn as you spend. The Rewards screen highlights cash-back offers of up to 5% on online purchases and exclusive partner deals. Users can track their rewards balance in real time and cash out directly to their Today Wallet, turning everyday spending into a source of extra income.
Examples of some reward companies:
User persona
Background
Frustrations
Manual tip pools that require managers to tally paper logs and trigger payouts days later.
Forgotten or misplaced cash tips after a busy shift.
Having to juggle multiple apps or cash for bill payments and peer-to-peer transfers.
“I just want my hard-earned tips in my pocket right now so I can cover rent, hit happy hour, or save for a weekend getaway without extra fees or hassle.”
Goals & Needs:
Bryan has spent the last five years crafting cocktails and making people feel welcome behind the bar in downtown Toronto. A marketing graduate by training, he’s organized and tech-savvy, but long shifts and inconsistent tip pools have left him juggling cash, spreadsheets, and clunky payout tools just to cover rent and daily expenses.
Instant access to tips: Bryan wants his gratuities in his wallet the moment they’re earned—no more waiting days or weeks.
Clear budgeting: With rent due and bills stacking up, he needs real-time visibility into what he’s earned and how much he can safely spend.
Seamless payments: From grabbing groceries to splitting tabs with friends, he expects a wallet that works anywhere—online, in-store, and at the ATM.
Financial empowerment: Without a traditional bank account, Bryan relies on Today App to bridge the gap between cashless spending and essential banking services.
Bryan Freed, 28 Bartender
PROBLEM
In the hospitality industry, gratuity distribution still relies on cumbersome, manual processes that create frustration and inefficiency at every level.
Managers must collect, sort, and reconcile paper tip logs or spreadsheets often leading to errors, delays of several days or weeks, and time-consuming administrative overhead.
Meanwhile, staff face uncertainty and financial stress as they wait for their hard-earned tips to trickle through a slow, opaque system. This outdated approach not only robs employees of timely access to their earnings but also diverts valuable management resources away from guest-facing priorities, highlighting a clear need for a streamlined, digital alternative.
Product Background
Filling a niche in the gig-pay ecosystem
In restaurants and bars, gratuities flow unpredictably from credit-card slips to digital orders and end up stuck in manual tip pools that managers must tally, reconcile, and distribute days or weeks later. Meanwhile, many service workers lack full banking access, forcing them to juggle cash, checks, and off-shift drop-offs just to get paid. This friction not only erodes employee trust and financial stability but also burdens operators with costly administrative overhead. This tool allows employers to automate and streamline on-demand payments to employees.
Taskflows
🏠 Home page
🔄
Enter e-transfer
👥
Add recipient
💰 Enter funds
🔁
Transfer funds
👥
Select recipient
SCENARIO 3
User wants to transfer funds
between coworkers, friends, or family.
SCENARIO 1
📲Verification
📋
Enter details
💳
Activate card
Splash screen
🏠 Home page
🔐 Login
✏️ Register
User wants to login / register to the app
🏠 Home page
💸 Enter pay bill
👥 Add payee
💲Add payment
🧾 Pay bill
👥 Select payee
SCENARIO 2
User wants to pay their bill
Design System & Style Guide
Crafting a cohesive, scalable interface
To ensure consistency across iOS, Android, and web, we built a lightweight design system that covers typography, colour, and core UI components.
Typography
Accent colour
Low-fidelity screens
Ag
Poppins
Medium
Semi Bold
Ag
Roboto
Medium
Semi Bold
Primary
#F1C432
#9ADAC2
Neutrals
#000000
#707070
#FFFFFF
#B7B4B4
Other
High-Fidelity Screens
Bringing the design to life with pixel-perfect detail
After validating our wireframes and interactions, we translated every flow into polished, production-ready screens complete with final colours, typography, iconography, and subtle motion. These high-fidelity mockups capture Today App’s distinctive brand voice and guide users through their most important tasks with clarity and confidence:
Balance
Transactions
Activity log
Filters
Menu bar
Home
Activity
Find monthly
spend results
Categories
$$ spent on
Visual chart of
all spendings
$$ on each
category
Menu bar
Home
Insight
Make payment
Easily pay bills
Select payee
Check balance
Add funds
Manage / edit payees
Pay bill
Make a payment
Add new
payees
List of all
payees
Pay bill
Find / Add payees
Send fund transfers
Select recipient
Check balance
Add amount
Manage / edit recipients
E-transfer
Send money
Make payment
Easily pay bills
Select payee
Check balance
Add funds
Manage / edit payees
Rewards
Main screen
Other screens
Here are a few more screens created for the different cases.
Reflection
What we learned
Today App is on a strong growth trajectory, and the wins we’ve seen so far prove that intuitive, user-centric flows drive real product momentum. We’ll build on these insights adding deeper personalization, richer analytics, and more to evolve the product further.
⚡🔒
Speed isn’t enough without trust
Instant payouts delivered the initial “wow,” but confidence only followed once we added clear security cues. Such as the balance card, reassuring copy, and a quick success animation after each deposit.
🎢 💵
Designing for unpredictable income
Gratuities arrive in fits and starts one night could be $200, the next $20. This volatility taught us to foreground flexibility in every screen. By embracing unpredictability rather than hiding from it, Today App became a tool that truly fits hospitality workflows.
🎁💰
Incentivizing engagement with rewards
A free cash-back program exclusive to members showed us the power of value added incentives. By partnering with select brands and using magic links plus the Today card, we turned everyday spending into an opportunity to earn. This not only boosted transaction volume but also drove users to return daily.
Looking for a product or web designer?
Book a 15 minute call to discuss how we can work together and see if this is the right fit!
Thank you!
Lead product designer
💻
📱
Ag
Roboto
Medium
Semi Bold
The Need?
Core requirements Today App must fulfill
Hospitality workers juggle unpredictable hours, cash tips, and tight budgets—and they need a solution that empowers them financially. Today App addresses four fundamental needs:
Enable users to make purchases online or in stores, withdraw cash from ATMs, & pay bills. This eliminates the risk & hassle of carrying physical cash or checks.
Convenient & secure payment method
1
Budget
management
Provide tools to load funds onto the card and set personalized spending limits, helping users stay on track with their budgets and avoid accidental overspending.
2
Real-time financial control
Surface up-to-the-second transaction details and balance updates so users can monitor their expenses, understand their cash flow, and make informed decisions on the fly.
3
Access to essential financial services
The platform can be particularly useful for individuals that may not have access to traditional banking services or credit cards. Manage their finances easily.
4
User problem statement
“When I get tips, I want to be able to get those gratuities right away and into my bank account the same day so I can use it to pay my rent, bills, or going out.”
Solution snapshot
A unified wallet for on-demand payouts and financial empowerment for the hospitality industry.
Dive into Playlog’s core flows → from the very first welcome screen through to live event creation and see how every tap is optimized to get users sharing memories faster. In under a minute, hosts can name their event, lock down privacy settings, add fun prompts, and generate a shareable link or QR code. With clear visual cues and one-screen setup, Playlog removes friction so users spend less time configuring and more time connecting.
Transaction page
The transaction page brings together an activity log, purchase filters, and a clear account-balance banner so users can see exactly where their money came from and where it went.
The app automates on-demand payouts, depositing gratuities straight into the Today Wallet. Free, unlimited point-of-sale (POS) and online transactions mean you can spend anywhere, shop anywhere, and never wait for your earnings.
Bill Payments
Pay utility, rent, and other bills directly in-app.
Saved payees and one-tap scheduling reduce friction on repeat payments.
Real-time confirmation so users know their bills are handled—no checks, no trips to the bank.
Lets users handle rent, utilities, and other recurring expenses without leaving the app.
E-transfer
Effortless to send funds to any bank account in just a few taps. Whether its splitting a tab with coworkers or covering unexpected costs, instant notifications and status updates keep users informed every step of the way.
Earn rewards
Today App isn’t just a debit card, it’s a way to earn as you spend. The Rewards screen highlights cash-back offers of up to 5% on online purchases and exclusive partner deals.
Users can track their rewards balance in real time and cash out directly to their Today Wallet, turning everyday spending into a source of extra income.
Examples of some reward companies:
User persona
Bryan Freed, 28 Bartender
Background
Bryan has spent the last five years crafting cocktails and making people feel welcome behind the bar in downtown Toronto. A marketing graduate by training, he’s organized and tech-savvy, but long shifts and inconsistent tip pools have left him juggling cash, spreadsheets, and clunky payout tools just to cover rent and daily expenses.
Goals & Needs:
Instant access to tips: Bryan wants his gratuities in his wallet the moment they’re earned—no more waiting days or weeks.
Clear budgeting: With rent due and bills stacking up, he needs real-time visibility into what he’s earned and how much he can safely spend.
Seamless payments: From grabbing groceries to splitting tabs with friends, he expects a wallet that works anywhere—online, in-store, and at the ATM.
Financial empowerment: Without a traditional bank account, Bryan relies on Today App to bridge the gap between cashless spending and essential banking services.
Frustrations
Manual tip pools that require managers to tally paper logs and trigger payouts days later.
Forgotten or misplaced cash tips after a busy shift.
Having to juggle multiple apps or cash for bill payments and peer-to-peer transfers.
“I just want my hard-earned tips in my pocket right now so I can cover rent, hit happy hour, or save for a weekend getaway without extra fees or hassle.”
Product Background
Filling a niche in the gig-pay ecosystem
In restaurants and bars, gratuities flow unpredictably from credit-card slips to digital orders and end up stuck in manual tip pools that managers must tally, reconcile, and distribute days or weeks later. Meanwhile, many service workers lack full banking access, forcing them to juggle cash, checks, and off-shift drop-offs just to get paid. This friction not only erodes employee trust and financial stability but also burdens operators with costly administrative overhead. This tool allows employers to automate and streamline on-demand payments to employees.
Taskflows
SCENARIO 1
User wants to login / register to the app
SCENARIO 2
User wants to pay their bill
SCENARIO 3
User wants to transfer funds between coworkers, friends, or family.
Design System & Style Guide
Crafting a cohesive, scalable interface
To ensure consistency across iOS, Android, and web, we built a lightweight design system that covers typography, colour, and core UI components.
Typography
Ag
Poppins
Medium
Semi Bold
Roboto
Medium
Semi Bold
Ag
Accent colour
Low-fidelity screens
High-Fidelity Screens
Bringing the design to life with pixel-perfect detail
After validating our wireframes and interactions, we translated every flow into polished, production-ready screens complete with final colours, typography, iconography, and subtle motion. These high-fidelity mockups capture Today App’s distinctive brand voice and guide users through their most important tasks with clarity and confidence:
Other screens
Here are a few more screens created for the different cases.
Reflection
What we learned
Today App is on a strong growth trajectory, and the wins we’ve seen so far prove that intuitive, user-centric flows drive real product momentum. We’ll build on these insights adding deeper personalization, richer analytics, and more to evolve the product further.
Wanna See More?
Wanna See More?
Wanna See More?
