Clear, Simple Pay Access Without
a Bank

Clear, Simple
Pay Access Without
a Bank

Worked closely with the design lead to the re-design of ADP’s Wisely payment experience, giving underbanked workers a clearer visibility and easier access to their earnings. Partnering with product, research and the ADP team we built a new mobile app for users that balances financial empowerment with trust and security.

Role:

Visual Designer II

Timeline:

7 week engagement

Team:

1 Product Manager, 1 Service Designer,
1 Design Director, 1 Product Designer

Collaborators:

5 ADP Stakeholders

Users:

Underbanked workers

Outcomes:

High engagement + Usage

Role:

Visual Designer II

Timeline:

7 week engagement

Team:

1 Product Manager, 1 Service Designer,
1 Design Director, 1 Product Designer

Collaborators:

5 ADP Stakeholders

Users:

Underbanked workers

Outcomes:

High engagement + Usage

Role:

Visual Designer II

Timeline:

7 week engagement

Team:

1 Product Manager, 1 Service Designer,
1 Design Director, 1 Product Designer

Collaborators:

5 ADP Stakeholders

Users:

Underbanked workers

Outcomes:

High engagement + Usage

Role:

Visual Designer II

Timeline:

7 week engagement

Team:

1 Product Manager, 1 Service Designer,
1 Design Director, 1 Product Designer

Collaborators:

5 ADP Stakeholders

Users:

Underbanked workers

Outcomes:

High engagement + Usage

Problem
Confusing flows.
Hidden information. Limited trust.

Workers without bank accounts often turned to cash advance stores to access their wages, but the process lacked transparency. Key information like balances, payment history, and card setup was scattered or difficult to find. This led to confusion, mistrust, and heavy reliance on customer support.

Managers lacked a single place to see performance in context or act quickly. Critical information like coaching outcomes, training completion, and high-risk driving trends was buried across multiple dashboards and spreadsheets. With limited time, supervisors struggled to connect the dots, delaying interventions and recognition that could improve retention
and safety.

Early style tile directions that shaped the brand conversation.
Managers use dashboards like Safety, Coaching, and Idling
to track worker performance
Research & Insights
Empower workers with clarity
and confidence
Empower managers to take timely,
informed action

Our research uncovered five core needs shaping the design of Wisely Pay. Unbanked workers needed visibility into their money, simple setup, and reassurance that their money was deposited.

Co-creation workshop with stakeholders, designers, and product managers to define Wisely’s vision
Co-creation workshop with stakeholders, designers, and product managers to define Wisely’s vision
Co-creation workshop with stakeholders, designers,
and product managers to define Wisely’s vision
Approach
Fast iterations, trust-first design

We set out to simplify these high-friction moments. Early sketches focused on streamlined onboarding, clear card activation, and effortless access to balances and transaction history. Usability testing with real workers helped validate and refine these designs, ensuring the experience was intuitive, accessible, and trustworthy.

Brand Style
Empower workers with clarity
and confidence
Empower managers to take timely,
informed action

We selected green and purple as Wisely’s core colors. Green evokes growth and financial confidence, while purple conveys stability and a sense of trust. Color also guides users through the app: for example, the ‘Today’ page features a gradient blending green and purple to orient the user visually. The final layouts are open, airy, and uncluttered, letting users focus on tasks, while illustrations serve as a visual bridge connecting users to the Wisely brand.

01
Transparent Balance & History

Users can see their available balance and wage deposits up front, reducing confusion and reliance on support.

02
Simplified Card Setup

Guided steps make card activation easy, reducing drop-offs and allow users to see all the features of the app.

03
Actionable Guiding Messages

Personalized updates and nudges help users track spending, create healthier habits by saving, and stay on top of low balances

04
Future Saving

An envelope system helps users allocate income into categories like summer trips or emergency funds for flexible, goal-driven saving.

Adoption & Impact
What Happened After Launch

The Wisely app has been very successful since launch. It has helped a lot of customers have a seamless and engaging payroll experience. The app has become a growing business within the organization and has expanded to other audiences and markets.

Adoption & Impact
What Happened After Launch

The Wisely app has been very successful since launch. It has helped a lot of customers have a seamless and engaging payroll experience. The app has become a growing business within the organization and has expanded to other audiences and markets.

Adoption & Impact
What Happened After Launch

The Wisely app has been very successful since launch. It has helped a lot of customers have a seamless and engaging payroll experience. The app has become a growing business within the organization and has expanded to other audiences and markets.

Adoption & Impact
What Happened After Launch

The Wisely app has been very successful since launch. It has helped a lot of customers have a seamless and engaging payroll experience. The app has become a growing business within the organization and has expanded to other audiences and markets.

Connect

Let’s create your next big idea.

© 2025 Laura Ho Designs

Connect

Let’s create your next big idea.

© 2025 Laura Ho Designs

© 2025 Laura Ho Designs

Connect

Let’s create your next big idea.

© 2025 Laura Ho Designs