BBVA Bill Payments

About BBVA Payments

I am currently working in the Global Payments area of the BBVA app.

In Payments, we focus on understanding our customers' needs across various contexts and regions to design solutions that simplify day-to-day payment and collection processes and make consumer financing more accessible.

Part of my daily responsibilities include ensuring that BBVA's design guidelines and patterns follow established design guidelines and patterns, ensuring consistency across platforms. re consistently followed across all products while considering the solutions from various countries when creating a global design.

I closely collaborate with teams in Latin America, ensuring their proposals fit within the overall ecosystem by reviewing flows, providing feedback, and developing new features that meet their needs.

Payments Dashboard

The Bill Payments Dashboard was created in response to users' need to view and manage their bills within a single ecosystem. It allows them to see upcoming due dates, pending payments, and recent transactions in detail, while also providing shortcuts to related tasks, such as paying a new bill or scheduling payments.

This project was carried out following the three key pillars of the bank's relational model:

Personalization

The user expects the bank to offer products tailored to their individual goals.

Facilitation

The bank simplifies everyday financial tasks by providing intuitive tools that make bill management quick and seamless.

Anticipation

The bank anticipates the user's needs based on their specific context.

My team, the Global Team, led this project, and I took ownership of it and collaborated closely with squads from Mexico and Argentina to ensure that the needs of both countries were met.

One of the many workshops we held with the teams from Mexico and Argentina, where I presented my proposals for the dashboard.

Process

Discovery and research

Local teams in Mexico conducted user research to uncover pain points.
I analyzed insights globally to identify common needs and scalable solutions.

Collaborative workshop

Facilitated design workshops across Spain, Mexico, and Argentina.
Mapped user flows, prioritized features, and aligned with business/regulatory constraints.

Flow design and prototyping

Created the full payment flow, from dashboard to service detail.
Validated with Design System leads to ensure brand and UX consistency.
Iterated closely with the Tech Lead to refine feasibility.

Documentation and localization

Produced detailed design documentation to guide development.
Supported country-specific adaptations to ensure the solution remained modular and flexible.

User priorities organize the dashboard: at the top, a quick-access row for the most frequent actions (such as paying a new service or scheduling a payment), followed by a horizontal carousel showing upcoming bills. Below, users can manage their saved services —favorites and scheduled payments— and finally, review their recent transactions for full visibility.

The outcome was a scalable Bill Payments Dashboard with a clear and intuitive structure

Main dashboard

Upcoming due dates, quick actions, and favorite services.

Recent activity

Transaction history with clear timestamps and amounts.

Service detail page

Bill status, scheduling, payment history, and alias management..

Challenges

These were some of the challenges I faced while creating a global and modular dashboard design that accommodates the needs of all three participating countries while remaining user-friendly and intuitive.

Create a Global and Modular Dashboard Design

that meets the needs of all three participating countries while staying user-friendly and intuitive.

Ensure the dashboard gives a Real-Time Financial Overview

of their current financial status, including upcoming payment deadlines, enabling quick decision-making.

Design a Seamless Payment Management

for easy and efficient payment management, allowing users to handle their payments swiftly.

Adherence to Design Guidelines

following established design guidelines and patterns, ensuring consistency across platforms.

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