Payment Observations From 7+ Years of Global Business (Part 1)
Here are some interesting things about payment experiences I've noticed from almost 7 years of serving clients globally (Backed by UX research + personal experience living and doing business abroad).
1) Digital Should Be Truly Easier
Across many regions, especially in developing economies, businesses are used to paper-based processes or traditional legacy systems. These methods might seem outdated, but they’re familiar, reliable, and get the job done.
UX Insight: To convince these businesses to transition to digital, the digital experience must be a noticeable improvement—not just a change for change’s sake.
2) Transparency in Language and Fees
No one, anywhere likes surprise or hidden fees. In emerging economies with tight budgets, hidden or surprise fees are MASSIVE deal-breakers.
UX Insight: Just one negative experience with undisclosed costs can push users away forever. Always disclose fees and make it clear to the user, in their preferred language of exactly what to expect.
3) Localize, Localize, Localize
While English may be widely used in business, local languages remain vital in commerce, particularly with small and medium-sized enterprises. For instance, a shop owner in Jakarta may speak basic English but will still prefer Bahasa Indonesia in the apps they use to manage their business.
UX Insight: Show respect and commitment to truly serving the end user with proper localization.
4) Mobile First, Always
In Africa, Southeast Asia, and other regions with high mobile penetration, mobile is essential. Payment platforms designed with a “mobile-first” mindset can provide a better user experience for users who rely solely on their phones to manage their business.
5) Design for Connectivity Constraints
High-speed internet isn’t always available, especially in rural or developing areas. In places where connectivity can be unreliable, businesses may struggle to complete or verify transactions, disrupting their daily operations.
UX Insight: Payment systems that consider these constraints—such as lightweight apps, data-saving modes, or offline support—ensure accessibility for businesses.
Want to work with a globally experienced, culturally inclusive UX partner in B2B payments? Get in touch today!
