Principal TH
Merging Mutual Fund & Provident Fund into a unified investment platform
Company
CODEDIVA Company Limited
Client : Principal Asset Management Co. Ltd.
Industries
Finance
Role
UXUI designer
Date
2022-2023
Credit @principalTH : https://www.youtube.com/watch?v=YTULrF3uwxM
Project Overview
Context
Consolidating investment journeys across Mutual Fund and Provident Fund, including onboarding, account logic, and segmentation architecture.
Challenge
Mutual Fund + Provident Fund were previously separated apps built by Bambu → causing fragmented experience and operational complexity
Outcome
Reduced cross-platform friction and established a scalable multi-product investment foundation.
Structural Gap
Two separate apps (Mutual Fund & Provident Fund) developed by Bambu (Singapore) resulted in a fragmented and confusing user experience.
Strategic Shift
Led the redesign and consolidation of two legacy apps into a unified investment platform in collaboration with a Thai software house.
Design Principles
Unified investment architecture across fund types
Consistent onboarding and account logic
Scalable foundation for future product expansion
Architectural Diagnosis
Separate onboarding pipelines
Duplicated compliance checkpoints
Parallel transaction-state logic
Inconsistent entry points
Unified Transaction Architecture
Unified Compliance Layer
Standardized authentication and regulatory checkpoints (Biometric, PDPA, Suitability) across MF and PVD to eliminate duplicated onboarding logic.Account-State Engine
Introduced a single segmentation model: New , MF-only , PVD-only , Dual-accountModular Transaction Framework
Abstracted investment actions into reusable module
Transaction Complexity Decomposition
Unified Transaction Pattern
Entry
Eligibility
Fund selection
Capital Allocation Logic
Plan State Resolution
Confirmation
Usability Testing
Our Usability Testing involved 9 participants with diverse backgrounds in terms of gender, mobile OS, and an age range of 25–55, all holding at least a Bachelor’s degree. We tested core functionalities including App Setup, Onboarding, Suitability Test, Account Opening, and Fund Purchasing. The overall results were highly satisfactory; although some participants took longer on certain tasks, we achieved a 100% completion rate.
