Havan Labs
From Zero to £50M in 90 Days Digitalising Havan’s Payment Ecosystem
Designing a unified digital payment journey and pioneering the implementation of PIX (instant payment) checkout
£50 Million ($300M BRL) processed in 90 days. Drastic reduction in operational costs and the enablement of new revenue models (Travel, Insurance, Debt Renegotiation).
Trigger
100% of Havan card invoice collections relied on physical, in-store logistics. Payments could only be made onsite at a retail location, which led to processing delays, higher delinquency, and an inability to scale digital financial services
Challenge
Designing a unified digital payment journey and pioneering the implementation of PIX (instant payment) checkout
Results
£50 Million ($300M BRL) processed in 90 days. Drastic reduction in operational costs and the enablement of new revenue models (Travel, Insurance, Debt Renegotiation).
Havan held a massive base of private-label cards, but the payment cycle was entirely analogue.
Logistical Bottleneck
Customers were forced to visit a physical store to settle their debts.
Business Risk
Dependence on physical travel created a revenue ceiling, high maintenance costs, and limited conversion.
Technical Challenge
Creating a journey that instilled confidence in a non-digital native audience, using a then newly-launched technology: PIX.
Intentional Design and Rigour (The Craft)
My approach focused on transforming technical complexity into a "zero-friction" journey.
Information Architecture and Design Decisions
Unified Checkout
I designed a flow where invoices, travel bookings, and debts shared the same cognitive logic. This reduced support tickets and error rates by 25%.
Trust-Building Micro-interactions
I applied artisanal rigour to system feedback. Every stage of the PIX process (copy-and-paste, confirmation, and receipt) was designed with clear visual states to convey the security that users previously only felt at the store counter.
Design System & Scalability
I developed and utilised a component library (which later evolved into an omnichannel design system) to ensure visual consistency across all touchpoints, allowing the development team to scale new payment methods 40% faster.
Technical Execution and Collaboration
To avoid a disconnect between design and final delivery, I took a direct role in project governance
Active Handoff (DevOps)
Led technical dailies with Backend and Frontend developers to align API integrations and data security.
Design QA
Weekly review cycles in a Staging environment, ensuring that the "Craft" and the precision of spacing, typography, and logical flows were respected during implementation.
The effectiveness of the design is validated by performance data:
Scale
£50,000,000.00 ($300M BRL) in digital transactions within just 3 months of launch, considering only PIX payments.
Technological Adoption
Immediate conversion from offline to online behaviour through a journey focused on PIX.
Ecosystem Impact
Enabled the sale of remote services, transforming the payment ecosystem into a robust revenue channel.