Tyde (2026)
An everyday-payments app built for the Australian market — designed to make sending money, paying bills, and tapping to pay feel like one seamless habit instead of a juggling act between three different banking apps.
Client
Tyde
Role
Lead Product Designer
Timeline
8 weeks
Platform
Mobile App · iOS & Android
The Challenge
What needed solving.
Australia's payment rails — PayID, Osko, BPay — are genuinely fast and well-built. The apps sitting on top of them weren't keeping up. Paying a friend back meant hunting down a BSB and account number, paying a biller meant copying a code into a separate screen, and a simple balance check came wrapped in three layers of menus. The plumbing was modern; the everyday experience on top of it still felt like homework.
The Approach
How we solved it.
We rebuilt the experience around a simple idea: payments should fade into the background of someone's day, not interrupt it. PayID and Osko transfers settle in seconds with nothing to memorise, BPay billers live inside the same flow as everything else — no separate 'bills' app required — and a single QR brings tap-to-pay and scan-to-pay into one motion. We held every screen to the same three words: minimal, fast, functional. If it didn't earn its place, it didn't make the cut.
Process
How the work got done.
01
Mapping the local payment stack
Sat with everyday users across Sydney, Melbourne, and Brisbane to watch how they actually move money — not how the banks assumed they would. PayID and Osko were trusted and fast; the apps wrapped around them were the slow part. That gap became the brief.
02
Onboarding that gets out of the way
Reduced sign-up to linking a PayID and verifying identity — two steps, no jargon, no twelve-screen tour. The goal was to get someone to their first transfer in under two minutes, not walk them through a slideshow about the app they just downloaded.
03
A home screen built around the next action
Designed the dashboard to lead with the balance and four things people actually do — Send, Receive, QR Pay, and biller categories like Bill Pay, Airtime, and Cable TV — so the most common task is always one tap away, never buried in a menu.
04
Payments at the speed of life
Built Send and Scan-to-Pay as a single continuous flow — enter an amount, confirm, done — with a transaction history that reads like a clean statement rather than a spreadsheet, and receipts that are ready to share the moment a payment lands.
Selected Screens
A closer look.
Outcomes
The work moved the numbers.
+42%
30-day retention
−28%
support ticket volume
4.9★
App Store rating
2×
faster average payment
Tyde launched to a waitlist of 12,000 people across Australia. Thirty-day retention landed 42% above the category benchmark, and average time to complete a payment roughly halved — most testers put it down to PayID and Osko transfers needing nothing more than a name to find the right person. Support tickets fell 28% in the first month, largely because the app finally explained itself in plain English instead of banking jargon.
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