The SingSaver credit card listing on a desktop browser
The SingSaver travel insurance listing on a desktop browser
The SingSaver travel insurance checkout on a desktop browser
The same SingSaver credit card listing on a phone
The SingSaver travel insurance listing on a phone
The SingSaver travel insurance checkout on a phone

Challenge

MoneyHero Group operates four leading comparison platforms across Asia, with established positions in every market and strong traffic from paid and organic channels. The business was performing.

The room to grow was in how people choose. Across credit cards, loans, insurance and investment, making that choice a little easier is worth a lot at this size.

Each of the four brands had grown up in its own market, with its own team and its own design system. That independence is how they won locally.

It also meant campaign pages, comparison flows and checkout behaved differently on every brand, so a lesson learned in one market rarely travelled to the other three.

The internal design team was strong and knew its markets. Most of its time went into producing screens for four brands, which left less of it for experimentation.

AI had not yet entered the workflow, and every cross-market rollout meant repeating work already done once.

So the brief went deeper than the pages. Rebuild how people choose across all four brands, and build up the team at the same time, so the gains kept coming after we left.

This is where we built the method we now call Performance Design.

What we did

  • Rebuilt four consumer platforms and the corporate site
  • Restructured the credit card, loan, insurance and investment journeys
  • Rebuilt travel insurance comparison and checkout
  • Built a tokenised cross-brand design system
  • Restructured the information architecture and the conversion copy
  • Took the design team to 40% AI-assisted workflows
  • Embedded analytics and live A/B testing

Results

2x

Up to 2x higher conversions on end-to-end insurance purchases.

75%

Less time to buy travel insurance, after we rebuilt comparison and checkout.

Singapore Business Review Technology Excellence Awards

Digital Insurance Broker, 2025, for the three-click travel insurance purchase in Singapore and Hong Kong.

moneyherogroup

MoneyHero Group (NASDAQ: MNY) operates leading personal finance comparison platforms across Asia: SingSaver in Singapore, MoneyHero in Hong Kong, Money101 in Taiwan, and MoneyMax in the Philippines.

The business makes money when people apply. They arrive from ads and search already looking, so how well the site carries them from comparing to applying is what drives the revenue.

These are regulated products with a lot of options. A small improvement in the order of a page, in how clearly plans compare, or in how quickly checkout moves adds up across millions of visits.

The engagement ran from February 2024 to December 2025. We worked daily across the company.

MoneyHero Group’s brands reach 4.2 million people every month across four markets

SingSaver
MoneyHero Hong Kong
Money101
MoneyMax

“Kamil and his team diagnosed where our journeys were breaking and redesigned them end-to-end. The travel insurance work was the clearest example: real conversion improvements across both Singapore and Hong Kong. They embed fast, move at product speed, and the impact sticks.”

Portrait of Rohith Murthy

Rohith Murthy

Group CEO, MoneyHero Group

“They redesigned our platform with a genuine focus on conversion. Embedded across the whole organisation: product, growth, engineering, analytics. Each fix compounded the last. That cumulative impact is what you’re hiring for.”

Portrait of Jaga Thangaiah

Jaga Thangaiah

Group Head of Product, MoneyHero Group

Rebuilding the platforms and how people choose

We redesigned all four consumer brands from the ground up, along with the corporate site and the Creatory marketing site.

Each one was rebuilt for the phone first and put together from Strapi templates, so a change could ship across markets without rebuilding the layout each time.

We rebuilt the credit card, loan, insurance and investment journeys end to end. Filters and sorting now work the same way in every market.

In the English-language markets we showed less at once and let people open more when they wanted it. In Mandarin and Cantonese, readers expect more on the page, so we kept the detail and made the order clearer.

A SingSaver credit card promotion listing on a phone, Singapore
A MoneyHero card detail page on a phone, Hong Kong
A Money101 card listing on a phone, Taiwan
A MoneyMax campaign page on a phone, Philippines

Rebuilding travel insurance comparison and checkout

Travel insurance was growing fast and the comparison pages were busy, with strong plans from more than a dozen insurers. Choosing between them was the hard part.

Every plan card looked much the same, so people read a lot before they could see what was different.

We put the plans into clear tiers so they could be told apart at a glance, cut the benefit summaries back, and gave the phone version more room.

At checkout, the personal details step was where we could gain the most on both sites. We moved terms and optional fields to later steps.

Google login fills in what we already know. And when we have enough to skip ahead, people go straight to the review screen. Extra cover is offered inside that step, while people are already deciding.

A returning customer can now buy in three clicks, without being sent to an insurer’s own site.

Comparing travel insurance plans on a phone, Hong Kong
The personal details step, with fields validating as they are filled
Choosing add-on cover inside the checkout rather than on a separate page
The review step, showing the plan, the trip and the price before paying
The confirmation, with the policy details and the discount applied

Rebuilding how people pick a credit card

The range was broad and the cards were genuinely competitive, which is what made the list the hardest place to choose.

The platform’s own rewards sat next to the bank’s, and the filters were built for browsing while someone arriving from a campaign wanted to narrow down.

We changed the order. People coming from a campaign now say what reward they want first, and only the cards they qualify for come back.

A comparison view shows how those cards really differ before anyone applies, and the platform’s offer stays separate from the bank’s.

We rebuilt the results page for the phone first, so it can be scanned. Benefits sit in a clear order. Comparison tables still work on a small screen. Card details open over the page, so nobody loses their place.

Before the application we cut the required fields, simplified the form, and checked answers as people typed.

The reward-first credit card view on a desktop browser
The same reward-first credit card view on a phone

Building the design system

We built a fully tokenised cross-brand design system.

Components, type, spacing and sizing are set for each screen size. The language sets the dictionary and the fonts. Each brand has its own tokens for colours, logos, menus and footers.

A designer could build for the phone first, then move a layout to another market by copying the board and swapping the tokens.

The time that had gone into redrawing the same screens went into strategy, testing and reading the numbers.

The tokenised cross-brand design system

Structuring the information and writing the copy

We led the information architecture and the conversion copy across the travel insurance revamp and the corporate site.

We cut the benefit summaries back and used one voice across every product card, so a plan can be read at a glance. The same order carried into the comparison pages and the campaign pages.

We built the content models to fit the Strapi setup already in place, so new templates could ship across markets without rebuilding what sat underneath.

Transforming how the team worked

AI adoption inside the design team grew from zero to roughly 40% of daily tasks.

We set out how each step of design should be done and what it should produce, from research and wireframes through prototypes, copy, component notes and QA.

Designers spent far less time producing screens and far more time analysing data, finding where journeys break, building HTML and JS prototypes, and A/B testing those prototypes on live traffic.

In some cases we designed, prototyped and validated a structural change within a week.

Bigger changes could move as fast as the product did. What we saw in a session replay reached the design within days.

We tested before rolling anything out, and released across markets in planned stages.

Valuable takeaways

Working inside a company is faster than advising it from outside.

One token-based design system takes the repeat work out of running four markets. AI speeds things up when you point it at production work and keep it away from the judgment calls.

Credits

Kamil Gottwald
(form-three)

Interim Group Head of Design

Jat Leng Low
(form-three)

Copy & Content

Alf Gunnar Johansen
(form-three)

Design & Systems

Alexa Von Charles
(form-three)

Design & AI Enablement

Jaga Thangaiah

Group Head of Product

Rohith Murthy

Group CEO

Francois Picard

Group Head of Operations

Ayush Goyal

Country Manager, Singapore

Leslie Lin

Head of Growth Marketing, SingSaver

Methods

  • A/B testing and live validation
  • AI-accelerated design workflows
  • Content and messaging hierarchy
  • Cross-market rollout strategy
  • Embedded consulting model
  • Journey mapping and decision architecture
  • Looker conversion tracking
  • Mobile-first platform redesign
  • MS Clarity behavioural analysis
  • Performance Design
  • Rapid prototyping
  • Strapi CMS content modelling
  • Tokenised cross-brand design system