Fintech
Banking
Mobile App
Role
Team
Time & Duration
9 Months, 2024
Client
Morpara
Company / Product Background
Morpara is a mobile financial platform owned by A Ödeme ve Elektronik Para Hizmetleri A.Ş., offering 24/7 international money transfers, mobile accounts, and prepaid card solutions to both individual and corporate users. In the B2B space, the brand provides virtual POS systems, white-label card programs, merchant financial services, and a growing transfer agency network.
Founded in 2021, Morpara entered the market with the support of a global network of banks and payment institutions, aiming to deliver up-to-date, accessible, and user-friendly financial services to a wide audience.
This project involved designing the Morpara mobile app from the ground up—from concept to full product design. While the engineering team handled development internally, we were responsible for shaping the core product experience, visual identity, and design system. Morpara’s goal was to position itself competitively in Turkey’s fast-evolving fintech ecosystem by making digital financial services more accessible and expanding global economic participation through flexible and inclusive tools.
Project Overview – Challenge / Context
One of the most critical challenges in designing the Morpara mobile app was navigating the constantly shifting financial regulations in Turkey—particularly around currency control and international transfers. Due to frequent government-led changes in foreign exchange policies, core flows such as opening a foreign currency account or sending international payments had to be designed with adaptability in mind.
These ever-changing compliance rules meant we needed to architect flows that could evolve quickly, with minimal disruption to the user experience. The design system and logic had to remain structurally flexible, while still offering users clarity, trust, and simplicity in highly sensitive financial interactions.
The primary audience consisted of two main groups:
Individual users who frequently send money abroad or seek benefits through prepaid card campaigns
Corporate clients needing reliable, fast international transfer infrastructure
Designing for both segments required balancing ease-of-use with feature depth, while also meeting strict financial compliance standards.
Project Overview – Solution
Due to regulatory complexities in the financial space, introducing more features also meant requesting more documentation and identity verification from users. To avoid overwhelming new users and compromising conversion rates, we proposed a tiered profile system—allowing users to unlock features progressively based on their activity and verification status. Each step was tied to its own form and data requirement, making onboarding feel lighter and more manageable.
Another insight from the client showed that users often needed to access multiple features in rapid succession. To support this behavior, we introduced a centralized “Transactions” hub in the main navigation—housing all money-related operations under one intuitive, categorized section. This reduced decision fatigue and improved flow continuity for both individual and corporate users.
Lastly, given the evolving rules around foreign currency accounts, we designed automated flows for opening and closing foreign currency balances—removing manual friction and allowing the Morpara team full control over the logic, availability, and rollout of account-related actions without user confusion or operational bottlenecks.
Our guiding design principle throughout was minimizing cognitive effort. We wanted users to complete complex financial operations without having to think twice—through clear flows, simplified decision points, and intentional hierarchy.
Impact & Results
The Morpara team reported that users quickly embraced the new app and were able to complete transactions with ease. One of the most positively received improvements was the redesigned card application and tracking flow, which provided timely updates throughout the process. This helped reinforce trust and made users feel more in control of their financial actions.
The tiered profile upgrade system also performed better than expected. Users were noticeably more willing to provide documents and consent when these requests were introduced gradually, at meaningful steps in their journey. By breaking down requirements and presenting them in context, we saw a measurable improvement in both completion and understanding.
One of the most valuable takeaways was the effectiveness of timing and placement: delivering the right information exactly when it was needed proved to be a powerful UX tool—and one that we’ve since carried forward into other high-friction flows.
