alpha SME
Effortless overdraft access and secure multi-transfers — empowering users with simplicity and trust
Company
Thai Credit Bank Public Company Limited.
Industries
Finance
Role
UXUI designer
Date
2024-present
Intro & background
The Challenge: While our current app, Alpha by Thai Credit, serves general banking needs, our SME and Corporate clients still face hurdles with high-value transactions. Traditional daily transfer limits and the manual process of issuing cashier’s checks for large amounts create significant friction in business operations.
Our Solution: We are developing a dedicated application for SME customers to transform the Overdraft (OD) experience into a fully digital workflow. This app enables seamless high-value transfers of up to THB 10 million per day, significantly higher than the standard THB 2 million limit.
Problem
Existing core banking app did not fit SME behavior
Daily transfer limit (~2M THB)
Large payments required cashier’s checks
Additional fees and clearing delays
Traditional OD model not aligned with digital business needs
Solution
Developed a dedicated Digital OD app for SME
Instant transfers from overdraft credit line
Support high-value transfers up to 10M THB
Real-time interest calculation
Multi-user authorization (Phase 2).
UX Focus
Financial Clarity: Clear visibility of limit and interest impact
High-Value Confidence: Secure and reassuring large transfers
SME-Centric Flow: Faster than traditional check-based OD
Scalable Design: Support multi-role and multi-account structure
Application flow
Phase 1 (Individual): Successfully rolled out for individual users earlier this year, focusing on seamless Onboarding, Account Overviews, and Core Transactions.
Phase 2 (Juristic): Currently developing Corporate features, including multi-level User Authorization and seamless Account Swapping between personal and business profiles.
Design Prototype
Balance Notification
Clear balance notifications displayed on the home screen (visible only after authentication), ensuring transparency in account activity and encouraging users to regularly review their finances.
Account Inquiry
Overdraft users can clearly view their remaining balance and interest tier details, enabling better financial awareness and decision-making.
Split Transfer
For SMEs, large-sum transfers and business expenses are critical. The design incorporates clear alerts at each transaction stage, while maintaining ease of use as a key principle throughout the process.
Usability Testing
We conducted both face-to-face usability testing and remote testing via Maze.com. Overall, the results were positive — users of the Overdraft account were able to clearly understand the account information and perform inter-account transfers without friction. In addition, Key Performance Indicators (KPIs) and a System Usability Scale (SUS) score projection were applied as standardized benchmarks to evaluate the user experience.
KeyTakeaway
I had the opportunity to gain hands-on experience with banking systems and the security standards required for financial transactions and identity verification across different stages of the process. In addition, I worked on developing a design system that integrates tokens to enable scalability across the entire organization, while also collaborating closely with various departments within the bank.