The lesson: Design around the customer’s destination, not the complexity behind the transaction.
A user using OCTO CIMB’s banking app captured the experience in one line: “easy to transfer funds to a Malaysia account in a minute.” The underlying requirement was specific: move money from Singapore to Malaysia without turning an everyday transfer into a complicated international banking task.
The friction that often defines cross-border payments is time and effort. In this case, the reviewer found the transfer easy and described completing it in a minute. That is the success: the app made a transaction across two countries feel like a routine banking action.
The product lesson: Design around the customer’s destination, not the complexity behind the transaction. When someone needs to send money to a Malaysian account, the strongest experience is one they can understand and complete quickly.
Source:
BANKING & FINTECH APPS IN SINGAPORE - USER EXPERIENCE & SATISFACTION SURVEY (2026.09)