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There’s no getting away from it—the world of international payments is changing. A £30 fee for sending money abroad may have felt reasonable when you had to physically visit a branch, but now that it’s all done online it’s hard to justify.
In fact, free international payments is quickly becoming the norm.
But how do you compete when your competitors are already charging nothing? The answer is quite simple: by building the best experience.
Summary: Quite clearly, if you want to make international payments frequently you have to use a challenger bank, or Barclays.
👇
Making every click count.
📱
The importance of being able to use the app.
💵
The benefit of showing the fees as quickly as possible.
🌋
Why some banks should remove functionality.
🧠
How the use of flags can reduce cognitive load.
📦
Utilising a global address lookup.

A behind the scenes look at how I redesigned the Built for Mars sign-up flow, and iterated from early feedback.
The two "obvious" fixes that did nothing
Why you shouldn't always force an input
Why limiting the user's choices can be beneficial
Hinge built its reputation on a single promise: it's the dating app that wants you to leave. This is a breakdown of how the interface is actually engineered to make sure you don't.
How dating apps keep you engaged (not romantically)
The design equivalent of clickbait headlines
How Hinge leverages social scarcity
The challenge for a navigation app isn't to efficiently show you the best route, it's to make you believe that you've found the best route.
How strategy influences design
Waze is cornered, and slowly shrinking
What Apple's strategy appears to be

From rat mazes to coffee apps: why the motivation to reach a reward increases the closer your users get to their goal.
How to use the Goal Gradient Effect
Spinning the flywheel of purchases
Why your rules need to be clear
Sometimes, the best onboarding is no onboarding, and simple products get bogged down with unnecessary explanations. This case study on Waitrose, Sainsbury's and Asda demonstrates when to just let the user try it for themselves.
Sometimes the best onboarding, is no onboarding
“Show, don’t tell” often beats education
Data can’t always tell you when onboarding is wrong

An analysis of Monzo’s 1p challenge, focusing on the middle slump, where progress slows and motivation quietly fades.
Delight can replace progress, but only temporarily
"The middle" is the real retention problem
Motivation needs contextualised reference points
There’s no getting away from it—the world of international payments is changing. A £30 fee for sending money abroad may have felt reasonable when you had to physically visit a branch, but now that it’s all done online it’s hard to justify.
In fact, free international payments is quickly becoming the norm.
But how do you compete when your competitors are already charging nothing? The answer is quite simple: by building the best experience.
Summary: Quite clearly, if you want to make international payments frequently you have to use a challenger bank, or Barclays.
👇
Making every click count.
📱
The importance of being able to use the app.
💵
The benefit of showing the fees as quickly as possible.
🌋
Why some banks should remove functionality.
🧠
How the use of flags can reduce cognitive load.
📦
Utilising a global address lookup.

A behind the scenes look at how I redesigned the Built for Mars sign-up flow, and iterated from early feedback.
The two "obvious" fixes that did nothing
Why you shouldn't always force an input
Why limiting the user's choices can be beneficial
Hinge built its reputation on a single promise: it's the dating app that wants you to leave. This is a breakdown of how the interface is actually engineered to make sure you don't.
How dating apps keep you engaged (not romantically)
The design equivalent of clickbait headlines
How Hinge leverages social scarcity
The challenge for a navigation app isn't to efficiently show you the best route, it's to make you believe that you've found the best route.
How strategy influences design
Waze is cornered, and slowly shrinking
What Apple's strategy appears to be

From rat mazes to coffee apps: why the motivation to reach a reward increases the closer your users get to their goal.
How to use the Goal Gradient Effect
Spinning the flywheel of purchases
Why your rules need to be clear
Sometimes, the best onboarding is no onboarding, and simple products get bogged down with unnecessary explanations. This case study on Waitrose, Sainsbury's and Asda demonstrates when to just let the user try it for themselves.
Sometimes the best onboarding, is no onboarding
“Show, don’t tell” often beats education
Data can’t always tell you when onboarding is wrong

An analysis of Monzo’s 1p challenge, focusing on the middle slump, where progress slows and motivation quietly fades.
Delight can replace progress, but only temporarily
"The middle" is the real retention problem
Motivation needs contextualised reference points