Dexter • bKash

Dexter • bKash

Accelerating Merchant Acquisition: 150% Efficiency Boost and Annual Savings

Accelerating Merchant Acquisition: 150% Efficiency Boost and Annual Savings

Achieving a 150% efficiency boost in merchant onboarding while saving millions annually through digital innovation.
Achieving a 150% efficiency boost in merchant onboarding while saving millions annually through digital innovation.

FinTech

FinTech

AI

AI

Web & Android

Web & Android

My Role & Project Info
My Role & Project Info

My Role

Lead Product Designer

My Role

Lead Product Designer

Team

Intelligent Machines

Team

Intelligent Machines

Industry

FinTech

Industry

FinTech

Timeline (MVP)

2020 (2 Weeks)

Timeline (MVP)

2020 (2 Weeks)

Continuous Development

2020 - 2024

Continuous Development

2020 - 2024

Dexter • bKash

Accelerating Merchant Acquisition: 150% Efficiency Boost and Annual Savings

Achieving a 150% efficiency boost in merchant onboarding while saving millions annually through digital innovation.

FinTech

AI

Web & Android

My Role & Project Info

My Role

Lead Product Designer

Team

Intelligent Machines

Industry

FinTech

Timeline (MVP)

2020 (2 Weeks)

Continuous Development

2020 - 2024

Key Impacts
150%

Workforce efficiency increased

150%

Workforce efficiency increased

BDT 172.8M ($1.4M)

Cost saved annually

BDT 172.8M ($1.4M)

Cost saved annually

BDT 172.8M ($1.4M)

Cost saved annually

15% Growth

In merchant acquisition

15% Growth

In merchant acquisition

15% Growth

In merchant acquisition

150%

Workforce efficiency increased

BDT 172.8M ($1.4M)

Cost saved annually

15% Growth

In merchant acquisition

01

What?
About Dexter

01

What?
About Dexter

01

What?
About Dexter

01

What?
About Dexter

Dexter is a FinTech merchant onboarding platform, which reduces paperwork, increases field-force efficiency and productivity.

Dexter is a FinTech merchant onboarding platform, which reduces paperwork, increases field-force efficiency and productivity.

As the Lead Product Designer for Dexter, a revolutionary partner acquisition platform for bKash, Bangladesh's largest FinTech company, I spearheaded the transition from a manual, cumbersome onboarding process to a streamlined, digital solution. Dexter, formerly known as bKash Nimontron, significantly improved efficiency and operational transparency in onboarding agents and merchants.

The latest version of the Dexter Dashboard

The latest version of the Dexter Dashboard

The latest version of the Dexter Dashboard

The latest version of the Dexter Dashboard

02

Why?
The Problem

02

Why?
The Problem

02

Why?
The Problem

02

Why?
The Problem

bKash’s manual partner onboarding process was inefficient and redundant, causing significant delays and frustrations.

bKash’s manual partner onboarding process was inefficient and redundant, causing significant delays and frustrations.

bKash faced substantial hurdles with their manual partner onboarding process, which was fraught with inefficiencies, redundant efforts, and a lack of real-time oversight. The challenge was to digitize and optimize this process, enhancing the experience for all stakeholders involved.

03

How?
The Process

03

How?
The Process

03

How?
The Process

03

How?
The Process

The Users

The Users

The design process began with a deep dive into the users' world. I focused on three primary user groups

Field Force

Young, tech-savvy individuals, fluent in tech and varying in English proficiency. They are called Merchant Development Officers or MDO for short.

Field Force

Young, tech-savvy individuals, fluent in tech and varying in English proficiency. They are called Merchant Development Officers or MDO for short.

Distribution House Agents

With a broad educational range, these users had varying tech and English language skills.. They are called DH Agents.

Distribution House Agents

With a broad educational range, these users had varying tech and English language skills.. They are called DH Agents.

bKash Managers

Senior executives of bKash, who demanded a sophisticated, data-driven tool for real-time insights.

bKash Managers

Senior executives of bKash, who demanded a sophisticated, data-driven tool for real-time insights.

Field Force

Young, tech-savvy individuals, fluent in tech and varying in English proficiency. They are called Merchant Development Officers or MDO for short.

Distribution House Agents

With a broad educational range, these users had varying tech and English language skills.. They are called DH Agents.

bKash Managers

Senior executives of bKash, who demanded a sophisticated, data-driven tool for real-time insights.

Field Force

Young, tech-savvy individuals, fluent in tech and varying in English proficiency. They are called Merchant Development Officers or MDO for short.

Distribution House Agents

With a broad educational range, these users had varying tech and English language skills.. They are called DH Agents.

bKash Managers

Senior executives of bKash, who demanded a sophisticated, data-driven tool for real-time insights.

Research

Research
Research-Driven Approach

Built on a foundation of in-depth analysis and user insights.

Research-Driven Approach

Built on a foundation of in-depth analysis and user insights.

Research-Driven Approach

Built on a foundation of in-depth analysis and user insights.

Research-Driven Approach

Built on a foundation of in-depth analysis and user insights.

Leveraged Prior Knowledge

Applied learnings from Biponon, a previous project for the same client and user demographic.

Leveraged Prior Knowledge

Applied learnings from Biponon, a previous project for the same client and user demographic.

Leveraged Prior Knowledge

Applied learnings from Biponon, a previous project for the same client and user demographic.

Leveraged Prior Knowledge

Applied learnings from Biponon, a previous project for the same client and user demographic.

User Interviews

Conducted conversations with over 10 users spanning all three groups.

User Interviews

Conducted conversations with over 10 users spanning all three groups.

User Interviews

Conducted conversations with over 10 users spanning all three groups.

User Interviews

Conducted conversations with over 10 users spanning all three groups.

Indetified Pain Points

Pinpointed critical challenges, paving the way for a user-focused design solution.

Indetified Pain Points

Pinpointed critical challenges, paving the way for a user-focused design solution.

Indetified Pain Points

Pinpointed critical challenges, paving the way for a user-focused design solution.

Indetified Pain Points

Pinpointed critical challenges, paving the way for a user-focused design solution.

Mamun

Merchant Development Officer (MDO)

Goals

Efficiently manage daily outlet visits

Reduce paperwork and scheduling conflicts

Improve accuracy in reporting visits

Mamun

Merchant Development Officer (MDO)

Goals

Efficiently manage daily outlet visits

Reduce paperwork and scheduling conflicts

Improve accuracy in reporting visits

Mamun

Merchant Development Officer (MDO)

Goals

Efficiently manage daily outlet visits

Reduce paperwork and scheduling conflicts

Improve accuracy in reporting visits

Mamun

Merchant Development Officer (MDO)

Goals

Efficiently manage daily outlet visits

Reduce paperwork and scheduling conflicts

Improve accuracy in reporting visits

Nabila

Distribution House Agent

Goals

Accurately track Field Force activities

Efficiently manage peformance metrics

Identify and resolve fraudulent calls

Nabila

Distribution House Agent

Goals

Accurately track Field Force activities

Efficiently manage peformance metrics

Identify and resolve fraudulent calls

Nabila

Distribution House Agent

Goals

Accurately track Field Force activities

Efficiently manage peformance metrics

Identify and resolve fraudulent calls

Nabila

Distribution House Agent

Goals

Accurately track Field Force activities

Efficiently manage peformance metrics

Identify and resolve fraudulent calls

Nazmul

Sr. Manager, bKash

Goals

Obtain real-time insights into the onboarding process

Streamline the partner acquisition procedure

Enhance decision-making with accurate data

Nazmul

Sr. Manager, bKash

Goals

Obtain real-time insights into the onboarding process

Streamline the partner acquisition procedure

Enhance decision-making with accurate data

Nazmul

Sr. Manager, bKash

Goals

Obtain real-time insights into the onboarding process

Streamline the partner acquisition procedure

Enhance decision-making with accurate data

Nazmul

Sr. Manager, bKash

Goals

Obtain real-time insights into the onboarding process

Streamline the partner acquisition procedure

Enhance decision-making with accurate data

Mamun

Merchant Development Officer (MDO)

Sometimes when I visit an outlet, they tell me that someone else already visited the same outlet that day.
Mamun

Merchant Development Officer (MDO)

Sometimes when I visit an outlet, they tell me that someone else already visited the same outlet that day.
Mamun

Merchant Development Officer (MDO)

Sometimes when I visit an outlet, they tell me that someone else already visited the same outlet that day.
Mamun

Merchant Development Officer (MDO)

Sometimes when I visit an outlet, they tell me that someone else already visited the same outlet that day.

Design Overview

Design Overview
User Flows

Developed distinct user flows for each user group after the discovery phase.

User Flows

Developed distinct user flows for each user group after the discovery phase.

User Flows

Developed distinct user flows for each user group after the discovery phase.

User Flows

Developed distinct user flows for each user group after the discovery phase.

Wireframe Exploration

Created and explored multiple ideas through wireframes.

Wireframe Exploration

Created and explored multiple ideas through wireframes.

Wireframe Exploration

Created and explored multiple ideas through wireframes.

Wireframe Exploration

Created and explored multiple ideas through wireframes.

Stakeholder Collaboration

Presented wireframes to stakeholders, gathered feedback, and engaged in detailed discussions.

Stakeholder Collaboration

Presented wireframes to stakeholders, gathered feedback, and engaged in detailed discussions.

Stakeholder Collaboration

Presented wireframes to stakeholders, gathered feedback, and engaged in detailed discussions.

Stakeholder Collaboration

Presented wireframes to stakeholders, gathered feedback, and engaged in detailed discussions.

UI Design

Transitioned to UI design after addressing stakeholder input.

UI Design

Transitioned to UI design after addressing stakeholder input.

UI Design

Transitioned to UI design after addressing stakeholder input.

UI Design

Transitioned to UI design after addressing stakeholder input.

Usability Tests

Conducted unmoderated UAT and moderated Usability Tests.

Usability Tests

Conducted unmoderated UAT and moderated Usability Tests.

Usability Tests

Conducted unmoderated UAT and moderated Usability Tests.

Usability Tests

Conducted unmoderated UAT and moderated Usability Tests.

Addressing Pain Points

Focused on resolving issues identified during the pain point analysis and usability tests throughout the process.

Addressing Pain Points

Focused on resolving issues identified during the pain point analysis and usability tests throughout the process.

Addressing Pain Points

Focused on resolving issues identified during the pain point analysis and usability tests throughout the process.

Addressing Pain Points

Focused on resolving issues identified during the pain point analysis and usability tests throughout the process.

Shipping & Design QA

Closely collaborated with the development team and product managers to fix design issues and ship the product.

Shipping & Design QA

Closely collaborated with the development team and product managers to fix design issues and ship the product.

Shipping & Design QA

Closely collaborated with the development team and product managers to fix design issues and ship the product.

Shipping & Design QA

Closely collaborated with the development team and product managers to fix design issues and ship the product.

Existing merchant visit flow for the MDO

New outlet visit flow for the MDO

The latest version of the Dexter Android App - Bangla Version

The latest version of the Dexter Android App - Bangla Version

The latest version of the Dexter Android App - Bangla Version

The latest version of the Dexter Android App - Bangla Version

Pain Points Addressed

Pain Points Addressed
For Mamun (MDO)

Efficiently manage daily outlet visits

Efficiently manage daily outlet visits

Efficiently manage daily outlet visits

Efficiently manage daily outlet visits

Significantly less paperwork

Significantly less paperwork

Significantly less paperwork

Significantly less paperwork

Accuracy in reporting outlet visits

Accuracy in reporting outlet visits

Accuracy in reporting outlet visits

Accuracy in reporting outlet visits

60% less time spent per outlet

60% less time spent per outlet

60% less time spent per outlet

60% less time spent per outlet

Home Screen, Document Selection, and Appointment Scheduling for the MDO (Latest Design)

Covid-19 version that allowed field forces to work from home.

Pain Points Addressed

Pain Points Addressed
For Nabila (DH Agent)

Accurate field force activities tracking

Accurate field force activities tracking

Accurate field force activities tracking

Accurate field force activities tracking

Efficiently managed performance metrics

Efficiently managed performance metrics

Efficiently managed performance metrics

Efficiently managed performance metrics

Resolved billing conflicts with bKash

Resolved billing conflicts with bKash

Resolved billing conflicts with bKash

Resolved billing conflicts with bKash

Identify and resolve fraudulent calls

Identify and resolve fraudulent calls

Identify and resolve fraudulent calls

Identify and resolve fraudulent calls

For Nazmul (Sr. Manager)

Real-time insights into field force activities

Real-time insights into field force activities

Real-time insights into field force activities

Real-time insights into field force activities

Strealined partner acquisition procedure

Strealined partner acquisition procedure

Strealined partner acquisition procedure

Strealined partner acquisition procedure

Enhanced decision making with accurate data

Enhanced decision making with accurate data

Enhanced decision making with accurate data

Enhanced decision making with accurate data

Resolved billing conflicts with Distribution Houses

Resolved billing conflicts with Distribution Houses

Resolved billing conflicts with Distribution Houses

Resolved billing conflicts with Distribution Houses

Field Force Stats & the Geographic Distribution of Merchants (Pilot version)

Key statistics for the bKash Executives & DH Agents (Pilot version)

Nabila

DH Agent

The biggest relief was having a real sense of what's happening in the field and the accurate performance tracking. Which ultimately resolved billing conflicts with bKash.
Nabila

DH Agent

The biggest relief was having a real sense of what's happening in the field and the accurate performance tracking. Which ultimately resolved billing conflicts with bKash.
Nabila

DH Agent

The biggest relief was having a real sense of what's happening in the field and the accurate performance tracking. Which ultimately resolved billing conflicts with bKash.
Nabila

DH Agent

The biggest relief was having a real sense of what's happening in the field and the accurate performance tracking. Which ultimately resolved billing conflicts with bKash.

Dexter Dashboard (Latest Design)

Dexter Dashboard (Latest Design)

Dexter Dashboard (Latest Design)

Dexter Dashboard (Latest Design)

04

Validation
User Acceptance Test (UAT)

04

Validation
User Acceptance Test (UAT)

04

Validation
User Acceptance Test (UAT)

04

Validation
User Acceptance Test (UAT)

User Recruitement

User Recruitement
80 User

Were given access to the test build

80 User

Were given access to the test build

80 User

Were given access to the test build

80 User

Were given access to the test build

16 Users

Participated in the UAT (Unmoderated)

16 Users

Participated in the UAT (Unmoderated)

16 Users

Participated in the UAT (Unmoderated)

16 Users

Participated in the UAT (Unmoderated)

5 Users

Participated in a moderated usability test

5 Users

Participated in a moderated usability test

5 Users

Participated in a moderated usability test

5 Users

Participated in a moderated usability test

Test Results

Test Results
Android App Test Results
Build Performance

The app was functioning well without any major bugs.

Build Performance

The app was functioning well without any major bugs.

Build Performance

The app was functioning well without any major bugs.

Build Performance

The app was functioning well without any major bugs.

User Frustration

4 out of 21 (16+5) users found the long-form in the first step of visiting a new outlet frustrating.

User Frustration

4 out of 21 (16+5) users found the long-form in the first step of visiting a new outlet frustrating.

User Frustration

4 out of 21 (16+5) users found the long-form in the first step of visiting a new outlet frustrating.

User Frustration

4 out of 21 (16+5) users found the long-form in the first step of visiting a new outlet frustrating.

Data Loss Concern

10 users reported losing form data by accidentally tapping the back button.

Data Loss Concern

10 users reported losing form data by accidentally tapping the back button.

Data Loss Concern

10 users reported losing form data by accidentally tapping the back button.

Data Loss Concern

10 users reported losing form data by accidentally tapping the back button.

Geo-location Issue

Check-In (Geolocation) frequently took too long to complete.

Geo-location Issue

Check-In (Geolocation) frequently took too long to complete.

Geo-location Issue

Check-In (Geolocation) frequently took too long to complete.

Geo-location Issue

Check-In (Geolocation) frequently took too long to complete.

Overall Usability

Despite these issues, all 16 users found the app easy to use.

Overall Usability

Despite these issues, all 16 users found the app easy to use.

Overall Usability

Despite these issues, all 16 users found the app easy to use.

Overall Usability

Despite these issues, all 16 users found the app easy to use.

Moving this dropdown field improved efficiency by 28.5% from the initial design and users had to fill out less fields manually

Moving this dropdown field improved efficiency by 28.5% from the initial design and users had to fill out less fields manually

Moving this dropdown field improved efficiency by 28.5% from the initial design and users had to fill out less fields manually

This confirmation dialoague prevented accidental form data loss

This confirmation dialoague prevented accidental form data loss

This confirmation dialoague prevented accidental form data loss

Moving this dropdown field improved efficiency by 28.5% from the initial design and users had to fill out less fields manually

This confirmation dialoague prevented accidental form data loss

Addressing Usability Issues

Addressing Usability Issues
User Frustration

Switching the position of a single field auto-populated two other fields below, which made the process easier.

User Frustration

Switching the position of a single field auto-populated two other fields below, which made the process easier.

User Frustration

Switching the position of a single field auto-populated two other fields below, which made the process easier.

User Frustration

Switching the position of a single field auto-populated two other fields below, which made the process easier.

Data Loss Concern

We added a confirmation bottom sheet whenever users tapped the back button after entering any data in the form, preventing accidental data loss.

Data Loss Concern

We added a confirmation bottom sheet whenever users tapped the back button after entering any data in the form, preventing accidental data loss.

Data Loss Concern

We added a confirmation bottom sheet whenever users tapped the back button after entering any data in the form, preventing accidental data loss.

Data Loss Concern

We added a confirmation bottom sheet whenever users tapped the back button after entering any data in the form, preventing accidental data loss.

Geo-location Issue

We investigated the issue and found that it was caused by the aggressive battery-saving tendencies of some Chinese handsets. Unfortunately, we couldn't provide an immediate fix for the issue.

Geo-location Issue

We investigated the issue and found that it was caused by the aggressive battery-saving tendencies of some Chinese handsets. Unfortunately, we couldn't provide an immediate fix for the issue.

Geo-location Issue

We investigated the issue and found that it was caused by the aggressive battery-saving tendencies of some Chinese handsets. Unfortunately, we couldn't provide an immediate fix for the issue.

Geo-location Issue

We investigated the issue and found that it was caused by the aggressive battery-saving tendencies of some Chinese handsets. Unfortunately, we couldn't provide an immediate fix for the issue.

05

Impact
What's the outcome?

05

Impact
What's the outcome?

05

Impact
What's the outcome?

05

Impact
What's the outcome?

Key Impacts

Key Impacts
150%

Workforce efficiency increased. On average, MDOs can visit 25 outlets per day instead of 10

150%

Workforce efficiency increased. On average, MDOs can visit 25 outlets per day instead of 10

150%

Workforce efficiency increased. On average, MDOs can visit 25 outlets per day instead of 10

150%

Workforce efficiency increased. On average, MDOs can visit 25 outlets per day instead of 10

BDT 172.8M ($1.4M)

Cost saved annually after 3 years of launch, when the field-force size increased to ~2,000 people

BDT 172.8M ($1.4M)

Cost saved annually after 3 years of launch, when the field-force size increased to ~2,000 people

BDT 172.8M ($1.4M)

Cost saved annually after 3 years of launch, when the field-force size increased to ~2,000 people

BDT 172.8M ($1.4M)

Cost saved annually after 3 years of launch, when the field-force size increased to ~2,000 people

15% Growth

In merchant acquisition, keeping the company ahead of the competition

15% Growth

In merchant acquisition, keeping the company ahead of the competition

15% Growth

In merchant acquisition, keeping the company ahead of the competition

15% Growth

In merchant acquisition, keeping the company ahead of the competition

9,600 Hours

Saved daily for ~2,000 MDOs, that's equivalent to 400 full workdays saved daily!

9,600 Hours

Saved daily for ~2,000 MDOs, that's equivalent to 400 full workdays saved daily!

9,600 Hours

Saved daily for ~2,000 MDOs, that's equivalent to 400 full workdays saved daily!

9,600 Hours

Saved daily for ~2,000 MDOs, that's equivalent to 400 full workdays saved daily!

Other Impacts

Other Impacts
BDT 25.9M ($213K) Saved at Launch

BDT 25.9M saved annually on field-force salary at launch, when there were 300 MDOs

BDT 25.9M ($213K) Saved at Launch

BDT 25.9M saved annually on field-force salary at launch, when there were 300 MDOs

BDT 25.9M ($213K) Saved at Launch

BDT 25.9M saved annually on field-force salary at launch, when there were 300 MDOs

BDT 25.9M ($213K) Saved at Launch

BDT 25.9M saved annually on field-force salary at launch, when there were 300 MDOs

Resolved Billing Conflicts

Resolved billing conflicts between bKash & Distribtuion Houses

Resolved Billing Conflicts

Resolved billing conflicts between bKash & Distribtuion Houses

Resolved Billing Conflicts

Resolved billing conflicts between bKash & Distribtuion Houses

Resolved Billing Conflicts

Resolved billing conflicts between bKash & Distribtuion Houses

Eliminated Redundant Outlet Visit

Eliminated redundant outlet visit issues for MDO

Eliminated Redundant Outlet Visit

Eliminated redundant outlet visit issues for MDO

Eliminated Redundant Outlet Visit

Eliminated redundant outlet visit issues for MDO

Eliminated Redundant Outlet Visit

Eliminated redundant outlet visit issues for MDO

Real-time Insights

Enabled bKash Management & DHs to gain near real-time insights into the entire operation

Real-time Insights

Enabled bKash Management & DHs to gain near real-time insights into the entire operation

Real-time Insights

Enabled bKash Management & DHs to gain near real-time insights into the entire operation

Real-time Insights

Enabled bKash Management & DHs to gain near real-time insights into the entire operation

Reduced Paperwork

Reduced paperwork to only essential documents. Passive impact? Saving the environment!

Reduced Paperwork

Reduced paperwork to only essential documents. Passive impact? Saving the environment!

Reduced Paperwork

Reduced paperwork to only essential documents. Passive impact? Saving the environment!

Reduced Paperwork

Reduced paperwork to only essential documents. Passive impact? Saving the environment!

06

Gallery
Screens

06

Gallery
Screens

06

Gallery
Screens

06

Gallery
Screens