PenCentral

PenCentral (formerly PensionCentral) is a pension remittance switch infrastructure for Africa. The platform helps organisations of all kinds, from startups and FinTechs to legacy banks and large corporate entities, streamline and automate their pension payment workflows, centrally remitting pension payments to desired PFAs (Pension Fund Administrators) and PFCs (Pension Fund Custodians) in seconds.

• Multiple paperwork processes
• A lot of time is required to avoid errors
• Long processing and crediting time, spanning from 3 weeks to 1 month
• Large amounts of uncredited funds sitting with PFCs
• Failure to identify when an employee has migrated to another PFA

Design a central remittance switch infrastructure that cuts down payment times to seconds, automates account validation, integrates payment gateway redundancy, and simplifies splitting employer and employee contributions.

The final platform is a robust dashboard that acts as a switch, enabling organisations to centrally manage all pension payments. Key features include:

• Instant RSA Validation: Verifies RSA PINs and confirms the employee's current PFA before payment, reducing errors and uncredited contributions.
• Single Schedule Remittance: Allows employers to upload one contribution schedule for all PFAs instead of preparing multiple schedules.
• Single Payment Processing: Enables employers to make one payment that is automatically distributed to the respective PFAs.
• Fast Remittance Processing: Reduces pension remittance from weeks to as little as an hour, depending on the number of employees.
• Employer & Employee Contributions: Unified dashboard views to manage and track contributions from both parties

• High fidelity UI
• Prototyping
• Collaboration with developers

Discover the features that make managing your pension easier and more secure.

Here are some of the high fidelity screens I designed for the PenCentral experience, showing how the product comes together across key user journeys, from creating an account and selecting an option to making payments and uploading bulk schedules.

I designed an AI assistant that will support users across the PenCentral website and platform, with plans to extend the experience to other products within the company's ecosystem. The goal was to make it easier for users to ask questions, find information, and get support without having to leave the experience they are already using.

I designed the conversation flow and interface, thinking through how users start conversations, receive AI generated responses, and get additional support when needed.

• Reduced average pension remittance time from 3 business days to under 10 seconds.
• Achieved 99.8% validation accuracy for Retirement Savings Accounts (RSAs), eliminating bouncebacks.
• Successfully integrated with multiple major payment gateways for complete payment redundancy.
• Received positive feedback from Employers, Finance managers and HRs.

Designing PenCentral taught me a lot about working on products where accuracy and trust really matter. I had to understand how pension payments work, how different parts of the system connect, and how to turn complex processes into a dashboard that feels simple and easy to use.

One of the biggest things I learned was that when people are dealing with money, every detail matters. Clear information, helpful feedback, and knowing what is happening at every step can make a big difference in how confident users feel using a product.

Working on the AI assistant gave me a completely different challenge. I had to think about the different ways people might ask questions, how the assistant should respond, and what should happen when it doesn't have the right answer. It also made me think more carefully about how to make AI interactions feel simple and easy for users to understand.

• Website (Live Link)
• Dashboard (Live Link)