Citizen Trust MPCS
A Full-Featured Mobile Banking App for a Multipurpose Cooperative Society. Designed from Start to Finish in Figma.
A Full-Featured Mobile Banking App for a Multipurpose Cooperative Society. Designed from Start to Finish in Figma.
Citizen Trust MPCS is a cooperative financial platform that gives members access to savings, loans, investments, bill payments and more, all in one mobile app. Think of it as a bank app but for a member-owned cooperative society.
Citizen Trust is a Multipurpose Cooperative Society. It is not a traditional bank but a member-owned financial institution. This mobile app gives members access to their accounts, savings plans, loan applications, investments and utility bill payments, all wrapped up in a clean and modern interface.
Most cooperative societies in Nigeria still run on manual, paper-based processes or outdated software. This was a chance to completely change how members interact with their cooperative by giving them a proper mobile app where they can do everything on their phone, anytime they want.
I was the only Product Designer on this project. I handled everything from user research and information architecture to wireframes, high-fidelity UI design in Figma, prototyping and building out a full design system that covers both light and dark modes across 100+ screens.
These were the things I kept in mind throughout the entire design process.
People are putting their money here. The app had to feel as safe and professional as a proper bank. Clean hierarchy, clear labels and a design that never looks cheap or confusing.
In a cooperative, people are not just customers. They are co-owners. So the experience needed to reflect that. Membership status needed to be visible, and member-specific features had to be front and center.
This app has over 10 feature areas and 100+ screens. The goal was to make sure none of that complexity ever showed on the user's face. Everything needed to feel easy to find and easy to use.
PIN entry, OTP verification, face verification, tier upgrades. All of these security steps needed to feel safe and thorough without making members feel like they are being punished for trying to use the app.
I designed the full app in both light and dark mode so members can use it comfortably at any time of day. Same branding, same readability, just a different feel depending on your preference.
Every screen was designed for empty states, error states, success states and loading states. The app needed to communicate clearly no matter what was happening behind the scenes.
I followed a structured design process from understanding the problem to delivering a high-fidelity prototype.
Designing a cooperative banking app is not the same as designing a regular bank app. There were specific obstacles that came with this project:
Here is how I approached it:
These are the two main types of members I designed for.
Getting into the mindset of a cooperative member trying to manage their finances on a phone.
A look into what goes through her mind when using a financial app
How a member moves through the app from the moment they open it to completing any task.
1. Onboarding: Splash screen, onboarding slides, then Sign Up or Login
2. Membership: New users complete a 3-step membership form before accessing loans and investments
3. Home: Dashboard with balance card, quick actions, recent transactions and a promotional banner
4. Transfers: Send to Citizen Trust accounts or any Nigerian bank, with beneficiary management and PIN confirmation
5. Savings: Five savings options — Smart Save, SafeLock, Target Savings, AI Target Savings and Spend and Save
6. Loans: Personal or Business loan applications with amount selection, preview and PIN confirmation
7. Investments: Fixed Deposit creation where members pick a duration and see their interest preview
8. Payments: Airtime, Data, Electricity and TV payments with saved beneficiaries and shareable receipts
9. Profile and Tier Upgrade: Members can view account limits and upgrade through KYC flows including face verification
A visual language built around trust and clarity. Everything needed to be consistent across 100+ screens so I set up the design system before touching a single feature screen.
A deep navy and purple palette that feels trustworthy and modern with clear colors for different financial states.
A clean Martel Sans font that makes financial figures easy to read and scan on a mobile screen.
All currency amounts use the Bold weight so they stand out at a glance. The Naira symbol (₦) is always shown next to figures. For error and success messages I used color rather than changing the font weight so the number hierarchy stays clean.
Some of the most interesting and complex flows from across the full design.
One of the things that makes a cooperative app different from a regular bank app is the membership form. Before you can access loans or investments you have to officially become a member. I designed this as a 3-step process covering personal information, verification documents and a review and sign step. Each step has its own progress indicator, document upload instructions with example images and separate screens for pending and approved membership status.
There are five different savings products in this app and each one works differently. Smart Save automates savings. SafeLock locks money away for set periods. Target Savings helps members save toward a specific goal. AI Target Savings uses AI to suggest how aggressively you should save. And Spend and Save automatically puts aside a percentage of whatever you spend. Each product has its own complete flow including settings, previews and withdrawal screens.
I designed two loan flows — personal and business loans. The personal loan flow walks members through selecting how much they need, entering their monthly income, choosing a repayment duration and seeing a live calculation of their estimated monthly repayment. Before submitting they see a full loan summary with an authorization statement. Once a loan is active they can view the full repayment schedule showing which installments have been paid and which are still due.
Account tiers control how much a member can transact and what features they can access. Tier 2 requires phone number verification and a residential address. Tier 3 goes further with face verification that includes liveness detection. I designed every single state in these flows including error messages, timeout screens, failed verification screens and recovery paths so members are never left confused about what went wrong or what to do next.
Members can send money to other Citizen Trust accounts or to any Nigerian bank. Both flows include a beneficiary system where members can save contacts with nicknames. Bill payments cover Airtime, Data, Electricity and TV subscriptions. Every single payment flow ends with a branded shareable receipt and both a success and failure state.
A selection of screens from across the design in both light and dark modes.
What I delivered at the end of two months of work.
Citizen Trust MPCS was one of the most complex projects I have worked on and honestly one of the most rewarding. The thing that made it different from most design projects was the weight of it. People were putting real money in this app and trusting it to work. That meant every error message, every confirmation screen and every empty state actually mattered. I could not just skip those and call it done.
The membership form was one of the parts I was most proud of. Breaking it into three steps, adding photo examples for document uploads and showing a clear pending screen after submission all helped make it feel more like a welcome process than a bureaucratic hurdle.
Working alone on 100+ screens also taught me a lot about how important it is to set up your design system before you start building features. The times I had to go back and update something across 20 screens because I had not made it a component first reminded me of that lesson very clearly.
I would love to talk about your project. Whether you need product design, a mobile app or a website, let us figure it out together.