
+11% rides per
user in Brazil
Driving cashless growth through Pix, Brazil's most popular payment method.
Complex products are more than screens. I design the systems behind them.

Driving cashless growth through Pix, Brazil's most popular payment method.

Designing payment and wallet experiences around local methods, rules, and user behavior.

A new architecture to move web users to mobile and support future growth.

Replacing a three day wait with instant 24/7 transfers.

One health score, personalised AI insights and Generative UI that adapts to each goal.
I have an academic background in environmental design, where I learned to see every element as part of a larger system. I bring the same perspective to digital products, connecting flows, touchpoints, and market needs into one experience.
For over 8 years, I’ve designed products across fintech, mobility, marketplaces, and banking, from 0→1 launches to large-scale product development. I turn complex business problems into simple, intuitive experiences.

Cashless users in Brazil ride more often than cash users. I designed payment experiences around Pix to increase cashless adoption, grow ride frequency, and support market growth.
We implemented an MVP that allowed passengers to copy and paste transfer details into their banking app to complete the payment.
We researched current B2C payment solutions and found that most used the same technology for fast money transfers. However, the user experience wasn't ideal — in Uber, passengers are required to transfer money before the ride, while in 99, users have to top up a wallet in advance.
I tested five variants, including the version already in production, to see if a new approach would make the payment button more visible to passengers.
I created a payment widget that provides users with real-time feedback on payment progress and results, improving transparency across the flow.
Payment flow starting with the top 5 banks most preferred by users. This led to faster adoption and reduced checkout drop-off.


To improve payment adoption during the ride, I led a cross-team promotion A/B/C test, where one variant showed a statistically significant uplift in usage. I also designed a push-triggered onboarding experience to encourage in-ride payment and reduce drop-off after the trip started.


I collaborated cross-functionally to scale the payment widget for the courier vertical.
Also worked on the driver side of the flow, where drivers add their Pix key to enable direct transfers to their bank account.
Later, refined slightly, then rolled out to more payment methods, more markets, and the driver app.

I rebuilt the app architecture to help businesses transition from web to mobile while preparing the product to support a growing B2B user base.
I analyzed feedback from interviews, chat support, and reviews to identify issues, focusing on five key problems:
The mobile Account History showed only card and bank payments, while contractor payments were hidden in a separate tab. This created a mismatch with the web version and made users unsure whether their payments had been processed.


The app had inconsistent designs on iOS and Android and had been outdated since 2018.
Raiffeisen Bank users had different experiences as private or business clients.
The process started with a simple step: updating the screen as-is to refresh the code and prepare for future feature development.

Horizontal scroll was replaced with a list, similar to the web version. Account sorting was aligned with the web version to make statement access more intuitive, and with new products coming, horizontal scroll was no longer scalable.
I merged duplicated histories into one History section and removed transactions from the Main screen.
Users started to have a more consistent experience across the app, and in 2024 the B2C app also improved its design, making the apps even more cohesive.


After the update, some users found it harder to find contractor payments among their card charges. This showed that major updates need more research and validation before they go live.

Business owners had to wait up to three days to send money. I designed a new instant transfer experience that enabled 24/7 payments in minutes.
We looked at the existing solution in the B2C app and realized we could reuse it for business payments. Already integrated into Raiffeisen Bank's B2C app and growing fast since 2019, the tech was a natural fit for our B2B product.
Built on the national instant payment infrastructure, this technology enables 24/7 phone transfers across 200+ banks with 0% commission. The chart below illustrates the technology's rapid growth since 2019.
We also researched current solutions in the B2C market and found that everyone used the same technology for fast money transfers. So, we decided to reuse this technology for our B2B app.
The first approach opened with a data-entry screen. Low activation showed that the setup asked for too much too soon, so I replaced it with a focused one-click activation landing.
I integrated the phone contact list and prioritized the business owner's number, while keeping transfers to any recipient immediately accessible.
More than 200 banks were available. I surfaced the five most frequently used options and gave Raiffeisen Bank priority, reducing the effort required to find a destination.

Health apps track sleep, heart rate and activity, but understanding what these numbers mean together takes effort. I designed Serra to bring them together in one health score, with personalised insights and goals that help users choose what to focus on next. Generative UI shapes the interface around each goal.
Accurate tracking still leaves a simple question unanswered: is today a good day or not? Sleep, HRV and activity appear as separate metrics. Users have to weigh them against each other to understand their overall condition and decide where to focus.

I mapped the journey from optional device pairing to a daily summary, insights, goal creation and progress tracking, through to Premium. The flow also covers missing health data, pairing failures and goals Serra cannot prepare.

Users can start with available iPhone activity data, without registration or a wearable. Pairing a device adds deeper sleep and heart-rate signals, so the experience grows with the data available.


One vitality score brings available sleep, heart-rate and activity signals into focus. Large typography and colour-coded states with text labels make the daily picture easy to read. Plain-language AI insights explain what’s driving it, with full analytics one tap away.

The concept pairs a large language model (LLM) with Generative UI. Structured health signals and a personal baseline inform insights and suggested goals. Generative UI then assembles the relevant controls, targets and progress tracking: a sleep goal calls for a different interface than an activity goal.
Users can adjust targets and timeframe before setting a goal. The concept proposes a pretrained model; the specific model and training dataset remain to be defined.


A goal becomes part of the daily experience. The home screen keeps the target and daily results together, making progress easy to follow.


One tap opens the detail behind the score. Sleep trends, performance metrics and AI insights help users understand what is shaping their current state.

The proposed freemium model makes the first goal free. Premium adds continuous goal tracking, advanced AI insights and Health Club access. Subscriptions are the core revenue stream, with potential wearable partnerships introduced at goal completion.

Percentage of users acting on AI insight recommendations
Daily active users
Premium conversion rate
Percentage of new users who set their first goal
Percentage of new users achieving their first goal
Serra explores AI beyond a chat interface: a daily health summary leads to insights, goals and an interface shaped around them. It is a design concept for everyday health guidance, not a launched or clinically validated product.
