Xpence · Product Designer · 2019

Business banking, end to end.

Expense management, virtual cards, and spend analytics for SMEs in the Middle East.

Xpence was one of my earliest full-stack product design engagements — designing an end-to-end business banking experience for a region whose SME market had been underserved by traditional banks. Expense capture, virtual card issuance, approval flows, and spend analytics, built to run an actual business on.

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50K+ Business users

SMEsTarget segment

End-to-endDesign scope

Middle EastRegion

Middle East SMEs were running
their finances on consumer apps.

Before Xpence, small businesses across the UAE and the region were using personal banking apps to run company cards, track receipts, and approve team spending. Multi-seat access didn't exist. Virtual cards for contractors didn't exist. Monthly expense reporting was spreadsheets and WhatsApp screenshots.

Xpence was built as the alternative — a business banking product designed from scratch for how small teams actually handle money, not a consumer product with "Business" stamped on the homepage.

What I did

Three pillars, one product.

Expense management

Receipts to approval, one loop.

End-to-end expense flow: employee captures receipt at point-of-sale, system auto-categorizes, approver gets a push with enough context to decide in ten seconds. No chasing, no forwarded emails, no monthly reconciliation marathon.

Virtual cards

Card per vendor, per budget.

Virtual card issuance and control surface — instant provisioning, per-card spend limits, vendor locking, one-click freeze. The pattern that let small teams hand contractors and tools limited-access cards without adding them to the bank account.

Spend analytics

Where the money went.