• UX/UI

  • 2023

  • Case

  • Purrweb

Kem

Mobile payment platform in Kuwait

kem main picture kem main picture

About the project

KEM is an application for exchanging money. The user can send money or request it from a friend

Clients needed an MVP that they could use to present to banks and attract investments.

In Kuwait, not all people have access to online banking services and this is a major problem.

KEM solves this by providing a convenient, fast and secure P2P payment service.

Functionality

How to use?

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The user signs up with a phone number

Enters their credit card info. Users can have one or more cards linked to the app

Transfers money from a linked card to a person on their contact list.

Or requests the needed amount from someone in the contact list

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Features

Kem resembles a social network

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Every user has their own QR-code, that you can use to add somebody to the contact list
You can arrange your contact list in groups — like "Friends", "Family", "Colleagues"

Clear and friendly interface

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Interface

We added

PIN login

a profile

a transaction history

a request list

So that the registered users don't have to enter a phone number every time they sign in.

Now users can fill out the information about themselves, see their contact list, customize notifications, and contact support

Allowing users to view the entire history of their transactions

This will let users keep track of their requests and send reminders to their friends

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Color

Palette of Kem

At the heart of the KEM color palette is a bright combination of green and purple.

#151715

#8C8C8C

#C1C7C1

#DADDDA

#EEF0EE

#E0F7E0

#29A329

#33CC33

#5A1D6A

#AF42CC

#DBAAE8

#E7C6F0

#EF4444

#5D5FEF

#FFE297

Icons

Things that can go wrong when you're working with banks

To make money transactions, the app must have access to the banking systems via API

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You need to have a permission to use it

Banks have a closed API, because you can access the financial data of customers through it

Development

Backend that works without real data

For MVP, we wrote logic with imaginary data to demonstrate the application to banks

You can imagine how the application will work with real data

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Send

Request

The clients showed the MVP to the banks

We met the deadline, and customers went to show the MVP to banks to get access to the API with real data.

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Development

They've managed to get the API access

But with one condition — the entire technical team must be located in Kuwait. For security reasons, Kuwaiti banks do not allow developers from outside to work with the API. That's why KEM started to assemble an inhouse team.

Kuwait

Handed the project over to the inhouse team

We got on the call with the customers, handed over the code and all the accesses. For a month we were in touch, answered CTO's questions and extended test builds.

Kem

Hello, the beta build for the app has expired. We need to extend it as soon as possible

12:15
Purrweb

Hi, the developers say that they can update the build within 1.5 hours. Is it OK?

12:16 Read
Kem

That's perfect, thank you guys so much!

12:16
Purrweb

Do you need help with iOS, Android or both?

12:17 Read
Kem

...

This was necessary, so that the customer could continue to show the product to the investors. In the meantime, KEM's CTO was familiarizing himself with the code, architecture, and hiring a team. In the process, we answered his questions and helped him immerse himself into the context faster.

Kem

Could you please give me access to your Github, so I can have a look at the source code?

13:15
Purrweb

Sure, can you provide me with your nickname or email from github?

13:15 Read
Kem

Here they are:
*email1*
*email2*

13:16

What's going on with the project now

Since the handover of the project, the in-house team wrote a back-end with real APIs and rebranded it. And as a result — KEM entered the market.

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KEM raised $1 million in the seed funding round

Kuwait Investment Fund and other international companies invested in the development of KEM. This was possible thanks to the MVP, which demonstrated the full potential of the app.

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Investors are confident that the project is a game-changer for the fintech services market in the entire Gulf region.

Looking to expand into new markets

KEM's founders plan to enter Saudi Arabia, as well as launch a neobank based on its application. This will make KEM a unique fintech product for the Middle East.

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