01. Problem Identification
The digital payment ecosystem is heavily fragmented, forcing users to manage multiple independent e-wallet applications to send money to different providers (e.g., GoPay, OVO, Dana). Switching apps increases transaction drop-off rates, increases transfer fee overhead, and creates complex UI friction that lowers customer retention and digital transaction velocity.
High fragmentation requiring users to switch between multiple interfaces for cross-wallet transactions.
Complex, cluttered payment screens that create cognitive anxiety and increase manual input errors.
High business transaction drop-off rates due to slow, non-unified inter-wallet transfer processes.
02. The Solution
U.Digi solves inter-wallet fragmentation by offering a single, frictionless portal that aggregates balance tracking, top-ups, and instant transfers to different users and multiple e-wallet providers, eliminating the need to jump between separate apps and reducing business transaction drop-off rates.
Consolidates transfers to different target providers (GoPay, OVO, Dana) inside a single-page transaction flow.
A highly optimized, mobile-responsive layout that minimizes cognitive load and speeds up input entry.
Simulates instant transaction updates and wallet balance persistence using LocalStorage to emulate real-time core ledger sync.
03. Crafting & Engineering
System Architecture Flow
Technology Selection
Key Engineering Challenges Solved
- Perfecting absolute-position card overlays to scale proportionally without clipping typography.
- Mimicking transaction pipelines (authenticating inputs, subtracting balances, appending logs) entirely on the client-side.
- Refining custom icons and graphical elements to preserve alignment coordinates across mobile browsers.