Use Case: A user needs to make an international transfer.

Problem: During the transfer process, the user is required to select a fee payment option. The interface presents choices like "Pay by sender," "Pay by recipient," or "Share" without displaying the corresponding costs, forcing the user to make a critical financial decision while blind to its financial impact.

This interface flaw creates unnecessary friction and potential backtracking in the user journey. Users must either proceed with an uninformed decision or abandon the transfer to seek fee information elsewhere, significantly increasing completion time and potentially leading to task abandonment. The lack of transparent fee disclosure at the decision point undermines the platform's usability and trustworthiness for international transactions.

FAB. Fee amount is unavailable at charges selection stage

Best Practice: In ADCB, the user is also offered to choose between paying the fee themselves and sharing it with the beneficiary. However, there is a detailed explanation for each option that clearly itemizes which charges the user will bear and provides specific or estimated costs for correspondent and third-party bank fees. This transparency empowers users to make a fully informed financial decision, fostering trust and confidence in the transaction.

ADCB