M36 Rebuilt

A recalled product, reborn for consumers.

M36 was an investment product that had been recalled. The brief was to bring it back, not as the enterprise leaning tool it had been, but as a consumer focused wealth platform that ordinary people could understand and trust.

I led the six month end to end redesign within an eight person cross functional team, from discovery through launch, and the reborn product grew from roughly 30,000 to more than 150,000 users.

The old M36 asked customers to think like bankers. The new one had to meet them where they were.

• An enterprise oriented visual experience
• Complex financial language
• A confusing service hierarchy
• Long, multi step transaction journeys
• Difficult navigation

Discovery to launch, in six months.

As UX Design Specialist I led product design within an eight person cross functional team, owning the work from early discovery and research through to a shipped, launched product.

• Customer research
• Information architecture
• Content and copy
• Journey design
• Wireframing
• High fidelity UI
• Prototyping
• Usability testing

119 interviews to hear the real problem.

We ran 119 customer interviews. They surfaced consistent, specific pain: people got lost in navigation, could not parse the financial language, could not tell which service sat where, and gave up partway through long journeys that felt built for an enterprise, not a person.

The data pointed one way: strip out the complexity, and speak like a human.

Shorter journeys, plainer words.

Research translated directly into four moves: shorten the transaction journeys, rebuild the information architecture and copy in plain language, expand the range of financial services, and replace the enterprise visual language with a warmer, more approachable consumer experience.

Investing that feels approachable.

Beyond payments, the reborn M36 made investing legible: clear portfolio views, an active investment screen that shows what is happening at a glance, and lifestyle services woven into the dashboard so wealth felt like part of everyday life, not a separate, intimidating world.

Fivefold growth, and real money moved.

The redesigned M36 grew from roughly 30,000 to more than 150,000 users, and the reborn experience contributed to over ₦2 billion in post launch transaction volume and approximately ₦180 million in revenue through shorter journeys and an expanded set of services.

• Users grew from about 30,000 to more than 150,000
• ₦2B+ in post launch transaction volume
• Approximately ₦180M in revenue
• Shorter journeys, clearer copy, expanded services

The biggest gains did not come from new features. They came from listening to 119 people, then cutting steps and plain wording until the product felt like it was on the customer's side.

M36 is the clearest example I have of research changing decisions, and decisions changing numbers. It is the story I reach for when someone asks whether design moves the business.