My approach was guided by research and evidence. Every project begins with listening — understanding the context, the users, and the real problem behind the brief. I ran card sorting with 13 participants and usability testing before placing a single pixel.

The research revealed three things I didn't expect. Users didn't distrust Tikkie — they distrusted anything outside their bank. The social context behind payments disappeared every time they switched apps. And group expenses were the breaking point where the whole fragmented experience collapsed.

These findings forced a pivot. My original brief was a standalone wallet, but the evidence pointed elsewhere: integration into existing banking apps, where trust already lives. I set three design rules — bank-native not bolted on, context travels with every payment, and no action should take more than three taps.