● My Role
Product Designer
Period: 2023 Sept - 2023 Nov
Problems
Online Survey
UI Solutions
Iterative Validation
● About
Smiles Bills Payment helps users in Japan pay bills in Indonesia directly, making family support simpler, faster, and more convenient.
● Background
Smiles already helps international users in Japan send money to their families overseas. However, our research showed that sending money was often only the first step. Users still relied on family members or multiple services in Indonesia to complete everyday bill payments.
● THE STARTING QUESTION
What Happens After the Money Is Sent?
Sending money from Japan to Indonesia solved the transfer, but not the responsibility. Families still had to move funds again, open another service, and complete each payment themselves.
INITIAL QUESTION
How should we design Bills Payment?
BIGGER QUESTION
● The Problem
Supporting Family Was More Complicated Than It Needed to Be
01 — PROBLEM
Transfer to E-Wallet Issues
Sending money to e-wallets, especially DANA, involved confusing steps and often experienced transfer delays.
02 — PROBLEM
Multiple Apps Needed
Users often rely on multiple platforms or family members in Indonesia to complete bill payments.
03 — PROBLEM
Limited visibility Control
Users have limited visibility and control over how and when bills are paid, especially for loans such as blue-collar worker loans for going to Japan.
04 — PROBLEM
Transfer to donate demand
Many Indonesians in Japan are Muslim, yet lack a direct way to donate to Indonesian platforms like to Kitabisa or Dompet Dhuafa.
● Main Objective
● MARKET RESEARCH
117,991
Primary worker segment
8,221
Professionals
22,084
Others
Market data told us who might need the product.
Research needed to tell us whether they actually did.
