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 was performing, with established positions in every market and strong traffic from paid and organic channels. Its brands reached 4.2 million people every month across four markets.

The room for growth was in simplifying the decision-making to make it easier for people to apply for credit cards, loans, insurance and investments. These were regulated products with many options. Even small improvements, whether in the content order, how clearly plans compare or how quickly checkout moves, would add up across millions of visits.

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

But it also meant campaign pages, comparison flows and checkouts had behaved differently on every brand, so a lesson learnt in one market had 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 the four brands, which meant little left for experimentation.

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

So the brief went deeper than the pages: rebuild how users choose across all four brands, and build up the design team at the same time so the gains would keep coming even after form-three left.

This was 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

At Digital Insurance Broker, 2025 for 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.

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

Rebuilt the platforms and how users choose

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

Each platform was rebuilt mobile first and put together from Strapi templates, so changes could be shipped across markets without rebuilding layouts each time.

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

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

Rebuilt travel insurance comparison and checkout

Travel insurance was growing fast and its comparison pages were busy, with strong plans from more than a dozen insurers.

The plan cards had looked much the same and users had to read a lot before they could see what was different, so choosing was not easy.

We organised the plans into clear tiers so users could tell them apart at a glance, cut the benefit summaries and gave the mobile version more room.

At checkout, we minimised friction at the personal details step by moving the optional fields and terms to later steps and integrating Google login. When we had enough to skip ahead, we routed people directly to the review screen, where we offered extra coverage just as users had already decided.

Returning users could now buy in just three clicks without leaving the platforms to insurers’ own sites.

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

Rebuilt how users selected credit cards

The range was broad and the cards were genuinely competitive, making it hard for users to choose.

The platform’s own rewards sat next to the bank’s. The filters were built for browsers and not users arriving from campaigns with high purchase intent.

We flipped the order: users could now filter by their preferred rewards, and only the cards they qualified for were shown.

A comparison view showed how those cards really differed before anyone applied, and the platform’s offer stayed separate from the bank’s.

We rebuilt the results page for mobile first, so it could be scanned. Benefits sat in a clear order. Comparison tables still worked on small screens, and card details opened over the page.

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

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

Built a fully tokenised, cross-brand design system

We needed to scale the design efficiently across four markets and three languages. This was made possible by tokenising the design system.

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

The designers could build for mobile first, then move layouts to another market by copying the boards and swapping the tokens.

The designers no longer had to recreate the same screens, freeing up time for strategy, testing and analytics.

The tokenised cross-brand design system

Structured the information and wrote 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 and used one voice across every product card, so a plan could 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 be shipped across markets without rebuilding what sat underneath.

Transformed 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 user 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