Project Description
Managing everyday bills is a routine part of modern life, yet the process is often fragmented across multiple platforms. This project focuses on designing a mobile application that simplifies bill payments and bill management in one place.
The goal was to create a centralized, user-friendly, and secure platform where users can easily pay bills, track upcoming payments, and manage recurring expenses without stress.
Project Description
Managing everyday bills is a routine part of modern life, yet the process is often fragmented across multiple platforms. This project focuses on designing a mobile application that simplifies bill payments and bill management in one place.
The goal was to create a centralized, user-friendly, and secure platform where users can easily pay bills, track upcoming payments, and manage recurring expenses without stress.
2. Problem Statement
2. Problem Statement
Paying and managing bills can be stressful and inefficient because the process is scattered across multiple platforms.
Many users currently rely on different apps, websites, bank transfers, or physical payment outlets to settle their bills. This creates several challenges:
Missed Payment Deadlines: Without proper reminders, users often forget due dates, which can lead to late fees or service disconnection.
Fragmented Payment Experience: Users frequently switch between different apps and websites to pay bills, which wastes time and creates unnecessary friction.
Poor Bill Tracking: It is difficult for users to clearly see which bills are already paid and which ones are upcoming.
Lack of Custom Bill Management: Most bill payment apps only support predefined services like electricity or airtime, but do not allow users to track personal recurring expenses like rent or gym memberships.
As a result, users experience financial stress, disorganization, and inefficiency when trying to manage their monthly payments.
Paying and managing bills can be stressful and inefficient because the process is scattered across multiple platforms.
Many users currently rely on different apps, websites, bank transfers, or physical payment outlets to settle their bills. This creates several challenges:
Missed Payment Deadlines: Without proper reminders, users often forget due dates, which can lead to late fees or service disconnection.
Fragmented Payment Experience: Users frequently switch between different apps and websites to pay bills, which wastes time and creates unnecessary friction.
Poor Bill Tracking: It is difficult for users to clearly see which bills are already paid and which ones are upcoming.
Lack of Custom Bill Management: Most bill payment apps only support predefined services like electricity or airtime, but do not allow users to track personal recurring expenses like rent or gym memberships.
As a result, users experience financial stress, disorganization, and inefficiency when trying to manage their monthly payments.
3. Research Insights
3. Research Insights
To better understand how people currently manage their bills, I reviewed existing bill payment platforms and analyzed user behavior patterns from fintech products.
The research revealed several consistent pain points.
To better understand how people currently manage their bills, I reviewed existing bill payment platforms and analyzed user behavior patterns from fintech products.
The research revealed several consistent pain points.
Insight 1: Users struggle to remember bill due dates
Insight 1: Users struggle to remember bill due dates
A. Many people rely on mental reminders or calendar notes, which often leads to forgotten payments.
B. Users expressed the need for automatic reminders before bills expire.
A. Many people rely on mental reminders or calendar notes, which often leads to forgotten payments.
B. Users expressed the need for automatic reminders before bills expire.
Insight 2: Users want everything in one place
Insight 2: Users want everything in one place
A. Most users prefer a single app that handles all their bills, rather than switching between telecom apps, electricity portals, and bank apps.
B. Convenience and speed were major expectations.
A. Most users prefer a single app that handles all their bills, rather than switching between telecom apps, electricity portals, and bank apps.
B. Convenience and speed were major expectations.
Insight 3 : Users want visibility into their payments
Insight 3 : Users want visibility into their payments
Users want a clear overview of their financial obligations, including:
Bills already paid
Bills that are due soon
Bills scheduled for later
Users want a clear overview of their financial obligations, including:
Bills already paid
Bills that are due soon
Bills scheduled for later
Insight 4: Recurring payments are common but poorly managed
Insight 4: Recurring payments are common but poorly managed
Expenses like rent, subscriptions, school fees, and memberships are recurring but often tracked manually.
B. Users want a flexible system that allows them to add their own custom bills.
Expenses like rent, subscriptions, school fees, and memberships are recurring but often tracked manually.
B. Users want a flexible system that allows them to add their own custom bills.
4. Design Goals
4. Design Goals
Based on the research insights, the will design focused on solving four core goals:
Centralize bill payments
Prevent missed payments with smart reminders
Provide clear bill tracking
Allow users to manage both standard and custom bills
The design needed to feel simple, trustworthy, and efficient, especially since it involves financial transactions.
Based on the research insights, the will design focused on solving four core goals:
Centralize bill payments
Prevent missed payments with smart reminders
Provide clear bill tracking
Allow users to manage both standard and custom bills
The design needed to feel simple, trustworthy, and efficient, especially since it involves financial transactions.
Welcome Back
Welcome Back
Welcome Back
Log in to access your account and keep your payments on track.
Log in to access your account and keep your payments on track.
Log in to access your account and keep your payments on track.
Enter Email
Enter Email
Enter Email
Adeniranwaliu00@Gmail.com
Adeniranwaliu00@Gmail.com
Adeniranwaliu00@Gmail.com
Password
Password
Password
**I
**I
**I
Forgot your password?
Forgot your password?
Forgot your password?
Reset it
Reset it
Reset it
Don’t hav an account?
Don’t hav an account?
Don’t hav an account?
Sign Up
Sign Up
Sign Up
Login
Login
Login
Create Account
Create Account
Create Account
Enter your details to create your account and start paying bills easily.
Enter your details to create your account and start paying bills easily.
Enter your details to create your account and start paying bills easily.
Full Name
Full Name
Full Name
Peter John
Peter John
Peter John
Enter Email
Enter Email
Enter Email
Adeniranwaliu00@Gmail.com
Adeniranwaliu00@Gmail.com
Adeniranwaliu00@Gmail.com
Phone Number
Phone Number
Phone Number
0816723899
0816723899
0816723899
Create Password
Create Password
Create Password
0816723899
0816723899
0816723899
Confirm Password
Confirm Password
Confirm Password
0816723899
0816723899
0816723899
Already have an account?
Already have an account?
Already have an account?
Login
Login
Login
Continue
Continue
Continue
Verify Your Account
Verify Your Account
Verify Your Account
Enter the OTP code that was sent to ade*******@Gmail.com
Enter the OTP code that was sent to ade*******@Gmail.com
Enter the OTP code that was sent to ade*******@Gmail.com
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Didn’t receive the code? Resend
Didn’t receive the code? Resend
Didn’t receive the code? Resend
Continue
Continue
Continue
Set Transaction Pin
Set Transaction Pin
Set Transaction Pin
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Solution
Solution
Billio was designed as a centralized mobile platform that simplifies how users pay and manage their bills. The app allows users to pay different types of bills, including electricity, internet, airtime, TV subscriptions, and water, from one place, eliminating the need to switch between multiple apps or platforms.
Beyond payments, Billio helps users stay organized by providing a clear view of their bills, including what has been paid and what is due soon. This improves financial awareness and helps users avoid missed payments.
The app also includes smart reminders that notify users when a bill is approaching its due date, reducing the risk of late fees or service interruptions.
To make the platform more flexible, users can also add custom bills such as rent, gym memberships, or school fees, allowing them to manage both utility bills and personal recurring expenses in one app.
With a simple payment flow and secure authentication through a transaction PIN, Billio provides a convenient, organized, and secure way for users to manage their bills.
Billio was designed as a centralized mobile platform that simplifies how users pay and manage their bills. The app allows users to pay different types of bills, including electricity, internet, airtime, TV subscriptions, and water, from one place, eliminating the need to switch between multiple apps or platforms.
Beyond payments, Billio helps users stay organized by providing a clear view of their bills, including what has been paid and what is due soon. This improves financial awareness and helps users avoid missed payments.
The app also includes smart reminders that notify users when a bill is approaching its due date, reducing the risk of late fees or service interruptions.
To make the platform more flexible, users can also add custom bills such as rent, gym memberships, or school fees, allowing them to manage both utility bills and personal recurring expenses in one app.
With a simple payment flow and secure authentication through a transaction PIN, Billio provides a convenient, organized, and secure way for users to manage their bills.
Home Page
Home Page
Home Page
The Home Dashboard serves as the central hub of the Billio app, giving users quick access to their bills and important payment information in one place. Since many users struggle with managing bills across different platforms, this screen provides a clear overview of their bill activities.
The dashboard highlights important actions such as paying bills and viewing upcoming payments. A reminder banner is also included to notify users about bills that are due soon, helping them avoid missed payments and late fees.
By placing essential bill services and reminders on the home screen, the dashboard makes it easy for users to quickly access what they need and stay on top of their financial commitments.
The Home Dashboard serves as the central hub of the Billio app, giving users quick access to their bills and important payment information in one place. Since many users struggle with managing bills across different platforms, this screen provides a clear overview of their bill activities.
The dashboard highlights important actions such as paying bills and viewing upcoming payments. A reminder banner is also included to notify users about bills that are due soon, helping them avoid missed payments and late fees.
By placing essential bill services and reminders on the home screen, the dashboard makes it easy for users to quickly access what they need and stay on top of their financial commitments.
The Home Dashboard serves as the central hub of the Billio app, giving users quick access to their bills and important payment information in one place. Since many users struggle with managing bills across different platforms, this screen provides a clear overview of their bill activities.
The dashboard highlights important actions such as paying bills and viewing upcoming payments. A reminder banner is also included to notify users about bills that are due soon, helping them avoid missed payments and late fees.
By placing essential bill services and reminders on the home screen, the dashboard makes it easy for users to quickly access what they need and stay on top of their financial commitments.
Bills Category Screen
Bills Category Screen
Bills Category Screen
The Bills Category screen organizes different bill types into clearly structured sections. Users can select from categories such as electricity, internet, airtime, data, TV subscriptions, and water bills.
By grouping services into recognizable categories, the design makes it easier for users to quickly find the bill they want to pay without searching through multiple menus.
This structure improves discoverability and reduces the time required to complete payments.
The Bills Category screen organizes different bill types into clearly structured sections. Users can select from categories such as electricity, internet, airtime, data, TV subscriptions, and water bills.
By grouping services into recognizable categories, the design makes it easier for users to quickly find the bill they want to pay without searching through multiple menus.
This structure improves discoverability and reduces the time required to complete payments.
The Bills Category screen organizes different bill types into clearly structured sections. Users can select from categories such as electricity, internet, airtime, data, TV subscriptions, and water bills.
By grouping services into recognizable categories, the design makes it easier for users to quickly find the bill they want to pay without searching through multiple menus.
This structure improves discoverability and reduces the time required to complete payments.
Amount
Amount
Amount
Amount
₦ 10,000
₦ 10,000
₦ 10,000
₦ 10,000
Bank
Bank
Bank
Bank
Zenith Bank
Zenith Bank
Zenith Bank
Zenith Bank
Account Number
Account Number
Account Number
Account Number
2637289277783
2637289277783
2637289277783
2637289277783
Rent/Lease Payment
Rent/Lease Payment
Rent/Lease Payment
Rent/Lease Payment
Proceed to payment
Proceed to payment
Proceed to payment
Proceed to payment
Adeniran Waliu
Adeniran Waliu
Adeniran Waliu
Adeniran Waliu
Set reminder
Set reminder
Set reminder
Set reminder
1day before
1day before
1day before
1day before
3day before
3day before
3day before
3day before
7day before
7day before
7day before
7day before
Set custom date
Set custom date
Set custom date
Set custom date
Amount
Amount
Amount
Amount
₦ 10,000
₦ 10,000
₦ 10,000
₦ 10,000
Bank
Bank
Bank
Bank
Zenith Bank
Zenith Bank
Zenith Bank
Zenith Bank
Account Number
Account Number
Account Number
Account Number
Rent/Lease Payment
Rent/Lease Payment
Rent/Lease Payment
Rent/Lease Payment
Proceed to payment
Proceed to payment
Proceed to payment
Proceed to payment
Adeniran Waliu
Adeniran Waliu
Adeniran Waliu
Adeniran Waliu
Set reminder
Set reminder
Set reminder
Set reminder
1day before
1day before
1day before
1day before
3day before
3day before
3day before
3day before
7day before
7day before
7day before
7day before
Set custom date
Set custom date
Set custom date
Set custom date
Payment Method
Payment Method
Payment Method
Payment Method
Continue
Continue
Continue
Continue
Wallet Balance
Wallet Balance
Wallet Balance
Wallet Balance
₦ 10,000
₦ 10,000
₦ 10,000
₦ 10,000
Debit Card
Debit Card
Debit Card
Debit Card
Amount
Amount
Amount
Amount
₦ 10,000
₦ 10,000
₦ 10,000
₦ 10,000
Bank
Bank
Bank
Bank
Zenith Bank
Zenith Bank
Zenith Bank
Zenith Bank
Account Number
Account Number
Account Number
Account Number
2637289277783
2637289277783
2637289277783
2637289277783
Rent/Lease Payment
Rent/Lease Payment
Rent/Lease Payment
Rent/Lease Payment
Proceed to payment
Proceed to payment
Proceed to payment
Proceed to payment
Adeniran Waliu
Adeniran Waliu
Adeniran Waliu
Adeniran Waliu
Set reminder
Set reminder
Set reminder
Set reminder
1day before
1day before
1day before
1day before
3day before
3day before
3day before
3day before
7day before
7day before
7day before
7day before
Set custom date
Set custom date
Set custom date
Set custom date
Bill Category
Bill Category
Bill Category
Bill Category
House Rent
House Rent
House Rent
House Rent
Amount
Amount
Amount
Amount
₦ 10,000
₦ 10,000
₦ 10,000
₦ 10,000
Bank
Bank
Bank
Bank
Zenith Bank
Zenith Bank
Zenith Bank
Zenith Bank
Account Number
Account Number
Account Number
Account Number
7627672767874
7627672767874
7627672767874
7627672767874
Account Name
Account Name
Account Name
Account Name
Adeniran waliu
Adeniran waliu
Adeniran waliu
Adeniran waliu
Payment Method
Payment Method
Payment Method
Payment Method
Wallet Balance
Wallet Balance
Wallet Balance
Wallet Balance
Payment Summary
Payment Summary
Payment Summary
Payment Summary
Confirm Payment
Confirm Payment
Confirm Payment
Confirm Payment
Amount
Amount
Amount
Amount
₦ 10,000
₦ 10,000
₦ 10,000
₦ 10,000
Bank
Bank
Bank
Bank
Zenith Bank
Zenith Bank
Zenith Bank
Zenith Bank
Account Number
Account Number
Account Number
Account Number
2637289277783
2637289277783
2637289277783
2637289277783
Rent/Lease Payment
Rent/Lease Payment
Rent/Lease Payment
Rent/Lease Payment
Proceed to payment
Proceed to payment
Proceed to payment
Proceed to payment
Adeniran Waliu
Adeniran Waliu
Adeniran Waliu
Adeniran Waliu
Set reminder
Set reminder
Set reminder
Set reminder
1day before
1day before
1day before
1day before
3day before
3day before
3day before
3day before
7day before
7day before
7day before
7day before
Set custom date
Set custom date
Set custom date
Set custom date
Enter your Pin
Enter your Pin
Enter your Pin
Enter your Pin
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Share Receipt
Share Receipt
Share Receipt
Share Receipt
Subscribe Again
Subscribe Again
Subscribe Again
Subscribe Again
Payment Successful
Payment Successful
Payment Successful
Payment Successful
Your house rent of ₦200,000 has been paid successfully.
Your house rent of ₦200,000 has been paid successfully.
Your house rent of ₦200,000 has been paid successfully.
Your house rent of ₦200,000 has been paid successfully.
Bill Payment Screen
Bill Payment Screen
The Bill Payment screen allows users to complete their payments in a straightforward and secure way.
Users can select the service provider, enter the required details such as account or meter number, and confirm the payment amount. Once the details are verified, users can proceed with the payment using their preferred payment method.
The layout is designed to minimize errors and ensure users clearly understand each step before confirming their transaction.
The Bill Payment screen allows users to complete their payments in a straightforward and secure way.
Users can select the service provider, enter the required details such as account or meter number, and confirm the payment amount. Once the details are verified, users can proceed with the payment using their preferred payment method.
The layout is designed to minimize errors and ensure users clearly understand each step before confirming their transaction.
Custom Bill Feature
Custom Bill Feature
Custom Bill Feature
764
To make bill management more flexible, Billio allows users to create custom bills. This feature enables users to add bills that are not already available in the app by entering the bill name themselves.
For example, users can add personal expenses such as rent, gym membership, school fees, or other recurring payments. Once a custom bill is created, it appears under the Custom Bills section, allowing users to track and manage it alongside other bills in the app.
This feature ensures that users can manage both supported utility bills and personal recurring expenses in one place, making the app a more complete bill management solution.
To make bill management more flexible, Billio allows users to create custom bills. This feature enables users to add bills that are not already available in the app by entering the bill name themselves.
For example, users can add personal expenses such as rent, gym membership, school fees, or other recurring payments. Once a custom bill is created, it appears under the Custom Bills section, allowing users to track and manage it alongside other bills in the app.
This feature ensures that users can manage both supported utility bills and personal recurring expenses in one place, making the app a more complete bill management solution.
To make bill management more flexible, Billio allows users to create custom bills. This feature enables users to add bills that are not already available in the app by entering the bill name themselves.
For example, users can add personal expenses such as rent, gym membership, school fees, or other recurring payments. Once a custom bill is created, it appears under the Custom Bills section, allowing users to track and manage it alongside other bills in the app.
This feature ensures that users can manage both supported utility bills and personal recurring expenses in one place, making the app a more complete bill management solution.
Bill Tracking Screen
Bill Tracking Screen
The Bill Tracking screen provides a clear overview of all user bills. Bills are categorized into sections such as Paid, Due Soon.
This allows users to easily monitor their financial obligations and quickly identify which bills require attention.
By improving financial visibility, this screen helps users stay organized and avoid missed payments.
The Bill Tracking screen provides a clear overview of all user bills. Bills are categorized into sections such as Paid, Due Soon.
This allows users to easily monitor their financial obligations and quickly identify which bills require attention.
By improving financial visibility, this screen helps users stay organized and avoid missed payments.
TV Subscription
TV Subscription
TV Subscription
DSTV
DSTV
DSTV
₦ 10,000
₦ 10,000
₦ 10,000
7days left
7days left
7days left
House & Lifestyle
House & Lifestyle
House & Lifestyle
Gym/ Fitness memberships
Gym/ Fitness memberships
Gym/ Fitness memberships
₦ 10,000
₦ 10,000
₦ 10,000
7days left
7days left
7days left
House & Lifestyle
House & Lifestyle
House & Lifestyle
Gym/ Fitness memberships
Gym/ Fitness memberships
Gym/ Fitness memberships
₦ 10,000
₦ 10,000
₦ 10,000
7days left
7days left
7days left
Telecom & Internet
Telecom & Internet
Telecom & Internet
Data
Data
Data
₦ 10,000 - 5GB
₦ 10,000 - 5GB
₦ 10,000 - 5GB
7days left
7days left
7days left
Telecom & Internet
Telecom & Internet
Telecom & Internet
Netflix
Netflix
Netflix
₦ 10,000 - 5GB
₦ 10,000 - 5GB
₦ 10,000 - 5GB
7days left
7days left
7days left
My Available Bills
My Available Bills
My Available Bills
Home
Home
Home
History
History
History
Categories
Categories
Categories
Subscriptions
Subscriptions
Subscriptions
Profile
Profile
Profile
Due Soon
Due Soon
Due Soon
Paid
Paid
Paid
My Available Bills
My Available Bills
My Available Bills
Home
Home
Home
History
History
History
Categories
Categories
Categories
Subscriptions
Subscriptions
Subscriptions
Profile
Profile
Profile
Due Soon
Due Soon
Due Soon
Paid
Paid
Paid
TV Subscription
TV Subscription
TV Subscription
DSTV
DSTV
DSTV
₦ 10,000
₦ 10,000
₦ 10,000
Successful
Successful
Successful
House & Lifestyle
House & Lifestyle
House & Lifestyle
Gym/ Fitness memberships
Gym/ Fitness memberships
Gym/ Fitness memberships
₦ 10,000
₦ 10,000
₦ 10,000
Successful
Successful
Successful
House & Lifestyle
House & Lifestyle
House & Lifestyle
Gym/ Fitness memberships
Gym/ Fitness memberships
Gym/ Fitness memberships
₦ 10,000
₦ 10,000
₦ 10,000
Successful
Successful
Successful
Telecom & Internet
Telecom & Internet
Telecom & Internet
Data
Data
Data
₦ 10,000 - 5GB
₦ 10,000 - 5GB
₦ 10,000 - 5GB
Successful
Successful
Successful
Telecom & Internet
Telecom & Internet
Telecom & Internet
Netflix
Netflix
Netflix
₦ 10,000 - 5GB
₦ 10,000 - 5GB
₦ 10,000 - 5GB
Successful
Successful
Successful
Category
Category
Category
TV Subscription
TV Subscription
TV Subscription
Subscription
Subscription
Subscription
DSTV
DSTV
DSTV
Amount Paid
Amount Paid
Amount Paid
₦ 10,000
₦ 10,000
₦ 10,000
Date Paid
Date Paid
Date Paid
23/3/2026 - 2:32pm
23/3/2026 - 2:32pm
23/3/2026 - 2:32pm
Due Date
Due Date
Due Date
26/4/2026 - 2:32pm
26/4/2026 - 2:32pm
26/4/2026 - 2:32pm
Amount
Amount
Amount
₦ 10,000
₦ 10,000
₦ 10,000
Success
Success
Success
Report Issue
Report Issue
Report Issue
Share Receipt
Share Receipt
Share Receipt
Details
Details
Details
Key Design Decisions
Key Design Decisions
I used clear UX to improve the experience.
Clear Bill Status Labels: I Used labels like “Paid” and “Due Soon” helps users quickly understand the status of their bills.
Simple Navigation: I structured the designed to make bill payments accessible within two to three taps.
Financial Transparency: I showed payment history and bill status builds trust and accountability.
Reduced Cognitive Load: The interface avoids overwhelming users by prioritizing important actions and information first.
I used clear UX to improve the experience.
Clear Bill Status Labels: I Used labels like “Paid” and “Due Soon” helps users quickly understand the status of their bills.
Simple Navigation: I structured the designed to make bill payments accessible within two to three taps.
Financial Transparency: I showed payment history and bill status builds trust and accountability.
Reduced Cognitive Load: The interface avoids overwhelming users by prioritizing important actions and information first.
Expected Impact
Expected Impact
This solution provides several benefits to users.
Reduced Missed Payments: Smart reminders help users pay bills before their due dates.
Time Efficiency: Users can handle multiple payments within one platform instead of several apps.
Better Financial Awareness: Clear tracking of paid and upcoming bills helps users manage their money more effectively.
Stress-Free Bill Management: By organizing bills in one place, the app provides a more controlled and predictable financial experience.
This solution provides several benefits to users.
Reduced Missed Payments: Smart reminders help users pay bills before their due dates.
Time Efficiency: Users can handle multiple payments within one platform instead of several apps.
Better Financial Awareness: Clear tracking of paid and upcoming bills helps users manage their money more effectively.
Stress-Free Bill Management: By organizing bills in one place, the app provides a more controlled and predictable financial experience.
Key Takeaways
Key Takeaways
This project reinforced several important UX lessons:
Financial products require clarity and trust
Users value simplicity over complexity
Notifications can significantly improve user behavior
Allowing customization increases product usefulness
Designing this app highlighted how thoughtful UX design can turn a stressful financial task into a simple and organized experience.
This project reinforced several important UX lessons:
Financial products require clarity and trust
Users value simplicity over complexity
Notifications can significantly improve user behavior
Allowing customization increases product usefulness
Designing this app highlighted how thoughtful UX design can turn a stressful financial task into a simple and organized experience.
Adeniran Waliu
Adeniranwaliu9@gmail. com
© 2026 — Copyright
Adeniran Waliu
© 2026 — Copyright
Adeniranwaliu9@gmail. com
Adeniran Waliu
Adeniranwaliu9@gmail. com
© 2026 — Copyright
Adeniran Waliu
Adeniranwaliu9@gmail. com
© 2026 — Copyright