FairMoney / 2025
For more than 10 million customers, the most memorable identifier was already in their pocket. The product opportunity was to make a registered phone number usable as an account number without making the transfer journey feel unfamiliar.
This account stays at the product and system level to respect customer, employer, and platform confidentiality.
The Phone Number as Account Number feature allowed customers to receive transfers through the mobile number registered to their account. My work focused on implementing the feature with Kotlin Multiplatform so the underlying rules could be shared and maintained deliberately.
I also built an account-number-based bank suggestion algorithm. Instead of asking customers to resolve every routing detail themselves, the experience could use the information already entered to improve bank selection accuracy and make the flow feel more direct.
The feature lived alongside shared KMP modules maintained by a large Android team. The engineering challenge was not simply reuse; it was keeping business logic testable, platform boundaries understandable, and future changes less likely to produce client-specific defects.
A transfer capability designed for more than 10 million customers, combining a memorable account identifier with shared KMP logic and smarter bank suggestion.