Fin-Tech- Product Design

Greenfield project to digitise and disrupt
the current tax free shopping processes
My Role
Role: Lead Product Designer
Platform: Native iOS and Android Applications, Web
Focus: Web app retailer trial, Native iOS and Android Applications
Overview: As the lead product designer at Travelex, I spearheaded a transformative greenfield project, goTaxFree, aimed at revolutionizing the tax refund process for non-EU visitors to the UK. Our goal was to simplify and digitize the VAT refund system, which has long been criticized for its inefficiency. This initiative not only aimed to enhance the user experience but also to create a new revenue stream for Travelex.

Key Contributions:
- Autonomous Design Leadership: Defined and implemented a comprehensive design system, established success metrics, and conducted thorough user-centered research, operating with a high degree of autonomy within an agile, start-up-like team.
- User-Centric Solutions: Developed and refined processes to simplify the VAT refund experience, enhancing usability for non-EU tourists and creating a new revenue stream for Travelex.
- Pilot Program Development: Designed and executed a pilot program in collaboration with retailer Oliver Bonas, which included developing a dedicated web app with features like VAT e-receipts, online registration, and fast track airport passes.
- App Development: Created the goTaxFree App to digitize the VAT refund process, incorporating features such as digitized VAT receipts, a streamlined claim process, and user-friendly interfaces.
- API and Partnership Expansion: Colaborated with tech to develop robust APIs and formed strategic partnerships, particularly with China Union Pay, to extend VAT refund services to a wider tourist base, ensuring seamless integration and enhanced user experience.
- Research: Conducted user preference tests, ethnographic research, and observational studies to gather qualitative and quantitative data. These research methods informed design decisions and led to improved product iterations based on user feedback
Challenges & Achievements:
- Stakeholder Buy-in: Successfully advocated for UX principles and design investments to stakeholders, demonstrating the value through improved user engagement and streamlined processes.
- Complexity Reduction: Addressed the complexity of the traditional VAT refund system by implementing user-friendly digital solutions, significantly reducing the time and effort required for tourists to claim refunds.
- Pilot Program Success: The Oliver Bonas pilot program provided valuable insights, allowing us to refine our proposition and confirm the viability of our approach before broader implementation.
- User Feedback Integration: Utilized real user feedback and data-driven insights to continually improve the VAT refund experience, ensuring the solutions met user needs effectively.
- Focus on Benefits: Shifted the product focus from process-centric to benefit-centric based on user feedback, emphasizing the time-saving advantages of the fast track offer, which enhanced user satisfaction and engagement.
The solutions
To address the complexities of the VAT refund process, we implemented three key solutions, which we progressively developed, building upon the learnings from each prior application.
By developing these solutions sequentially, we would be able to improved the VAT refund experience based on real user feedback and data-driven insights
Retailer Pilot Program
We partnered with the retailer Oliver Bonas to run a pilot of our VAT refund proposition. To facilitate this program, we designed and built a dedicated web app with the following features:
- Request VAT E-Receipt:
- Customers can request electronic VAT receipts at checkout, simplifying record-keeping
- Register Online:
- Shoppers can register details via the web app, streamlining the process and saving time at the airport
- Free Fast Track Pass at Airport:
- Participants receive a free pass at the airport, expediting their VAT refund process.
- Claim Refunds by Providing Email Address:
- Tourists can claim refunds by providing their email address, ensuring a quick and paperless process
By implementing this pilot program with Oliver Bonas and leveraging our custom web app, we aimedto test and refine our proposition to ensure it effectively meets the needs of tourists and simplifies the VAT refund process
goTaxFree App
Our go Tax Free App was designed to streamline and digitize the VAT refund process, making it significantly more convenient for tourists. The app offered the following features:
- Digitized VAT Receipts:
- Scan receipts and auto-generate 407 forms, eliminating paperwork.
- Simple Steps:
- Download: Easily accessible from app stores.
- Register: One-time process for future claims.
- Upload Photos: Digitize receipts for validation.
- Claim VAT: Quick refunds directly through the app.
The intention behind the development of the go Tax Free App was to enable tourists to effortlessly manage their VAT receipts, generate necessary forms, and claim refunds directly from their mobile devices. This digital solution aimed to significantly reduce the complexity and time associated with the traditional VAT refund process, providing tourists with a seamless and convenient experience during their travels.
API’s & partnerships
Once our APIs undergo rigorous stress testing and validation, we intend to extend their accessibility to key partners, such as China Union Pay. By doing so, we aim to forge strategic alliances that will facilitate seamless integration and enable a broader range of tourists visiting the UK to access our VAT refund services.
Partnering with China Union Pay, a leading global payment provider, will unlock new opportunities to reach tourists from diverse regions and enhance their overall shopping experience in the UK. Through our APIs, China Union Pay users will gain convenient access to our VAT refund platform, streamlining the process and ensuring a smoother journey for international travelers.
This expansion of our partnerships reflects our commitment to innovation and customer satisfaction. By leveraging the capabilities of trusted partners like China Union Pay, we can deliver greater value to tourists while solidifying our position as a leading provider of VAT refund solutions in the UK market.
Design Experiments
Understanding Users and Solving Problems
During my tenure at Travelex, we prioritized user-centric approaches to product development, leading us to conduct a series of design experiments. Here are some examples I presented to the team to illustrate the importance of these experiments and the outcomes we achieved:
Preference Test for Receipt Dashboard
Preference tests are valuable tools for selecting between design variations by directly asking users for their preferences. In these tests, participants are presented with multiple design options and are asked to choose their favorite.
We conducted a preference test on our receipts dashboard to gauge user opinions on our current design and to identify any potential issues for improvement
The results
Quantitative Analysis
Out of 42 participants, 52% preferred the second version among the four designs presented. To ensure unbiased results, we randomized the order of design presentation to mitigate any influence of presentation order on participant choices.


Quantitative Analysis
Qualitative Feedback: To delve deeper into participant preferences, we posed four key questions:
- Why did you select this version?
- Is there anything you disliked about this version?
- What do you prefer in the other versions?
- Do you think anything is missing?
Key Learnings:
- Preference for Traditional Traffic Light System: Users favored a more conventional traffic light system over icon colors. This finding suggests a preference for familiar and easily interpretable visual cues.
- Benefit of Dark Header: Incorporating a dark header helped users focus on the correct area within the dashboard, enhancing usability and clarity.
- Qualitative Feedback Insights: The qualitative feedback provided valuable insights for the product team, highlighting areas for improvement in the existing design (version 4) that were previously unidentified.
By combining quantitative analysis with qualitative feedback, we gained a comprehensive understanding of user preferences and identified actionable insights to guide future design iterations
Role Playing – Incentives
Hypothesis:
If users are giving a physical voucher to join the fast track queue at the airport they will be more likely to self identify to queue hosts as GTF customers, and be more likely to convert from registered to completed tourists
Test:
Perform role play of shopping an airport experience giving half of users a vouchers and half not, to see if it changes their behaviour.

The results
Quantitative Analysis



Quantitative Analysis
Key learnings:
-
- People forget very quickly
- People don’t read
- Financial reward confusing and irrelevant to most users – they care about time
- We need to focus on benefits to users
A shift of focus from process to benefits
Our role play experiment showed to us that we need to focus on our one clear differentiator, which at this time is the fast track offer we are able to provide.
We decided that we would that we would use this research to direct how we approach our website offering, which was used for our retailer pilot. We moved away from showing the process of claiming a refund and FAQ’s to a simpler landing page which focused on our USP and how that will benefit our customers.

