Tom Twiby®
Contact Me
Resume.pdf
Designing the Experience
I led visual design direction across the product, establishing the UI language that would carry across every feature and interaction. The design system was built to support rapid iteration at startup pace, with components structured for reuse across the full suite of banking features.
Motion design played a critical role in making complex financial information feel approachable. Interactions were designed to give users confidence in actions like transferring money, applying for loans, and managing their card, using motion to provide feedback, guide attention, and bring personality to what could otherwise feel like dry financial UI.
I built prototypes throughout the process, both for internal alignment and for user testing conducted in Cantonese with Hong Kong locals. These prototypes helped validate core flows including onboarding, the numberless card experience (Mox was the first bank in Asia to launch an all-in-one numberless bank card with Mastercard), and the rewards system.
Understanding the Market
Hong Kong's relationship with money is distinct. Locals are extremely financially literate, most carry two to three credit cards, and there's a deeply ingrained "Jetso" mindset of maximising every dollar. But traditional banking was fragmented, lacking timely updates and disconnected from the way younger Hong Kongers actually manage their finances. Many were freelancing or in the gig economy where income wasn't predictable.
At the same time, Hong Kong locals weren't familiar with the concept of a bank that existed solely on a phone. We were introducing a new behaviour into the market, not just a new product.
The Challenge
The Hong Kong Monetary Authority had just issued virtual banking licenses for the first time, and Standard Chartered was one of the select companies awarded one. Rather than extending their existing banking experience into digital, they wanted to build something entirely new. A bank designed for a generation of financially savvy Hong Kong millennials who were living paycheck to paycheck in one of the world's most expensive cities, underserved by traditional banking systems that hadn't kept up with how they actually live.
R/GA was brought in to help design and launch the product that would become Mox.
My Role
UI and Motion Designer at R/GA. I worked across visual and UI design direction, design system and component architecture, motion design and interaction, and prototyping. The team worked in two-week sprints, delivering 10 epics within four months.
Defining the Product
Mox was positioned around a simple idea: help everyone in Hong Kong grow. Your money, your world, your possibilities. The brand name itself reflected this, standing for mobile experience, money experience, exponential growth, exploration.
The product needed to cover core banking (accounts, savings, spending, loans) while feeling nothing like a traditional bank. Features were designed around cultural and behavioural insights: instant account opening that could be completed in minutes, an "earn as you spend" rewards system, contextual loan options like "advance my pay" and "split my purchase" tailored to how young working adults actually manage cash flow, and a tiered gamification system that rewarded engagement with unlockable features and exclusive experiences.
The visual identity drew from the round shape of the Hong Kong dollar coin, a nod to Standard Chartered's heritage as Hong Kong's oldest note-issuing bank, while the overall experience was designed to feel modern, intuitive, and distinctly un-bank-like.
Mox Bank
Designing Hong Kong's first virtual bank from the ground up.
Outcome
Mox launched in Hong Kong in 2020 and grew rapidly. In year one, the bank acquired 170,000+ customers, with 80% onboarded in as little as three minutes. By 2021, users had tripled to over 200,000. The product generated over HKD 2.3 billion in customer spend, HKD 5 billion in savings deposits, and HKD 4 billion in loans.
Mox was voted the most trusted virtual bank in Hong Kong by YouGov, rated 4.7 on the App Store (the highest of any Hong Kong virtual bank), ranked number one in Asia by SIA, and received an honourable mention from Fast Company for best designed finance projects.
Tom Twiby®
Contact Me
Resume.pdf
Designing the Experience
I led visual design direction across the product, establishing the UI language that would carry across every feature and interaction. The design system was built to support rapid iteration at startup pace, with components structured for reuse across the full suite of banking features.
Motion design played a critical role in making complex financial information feel approachable. Interactions were designed to give users confidence in actions like transferring money, applying for loans, and managing their card, using motion to provide feedback, guide attention, and bring personality to what could otherwise feel like dry financial UI.
I built prototypes throughout the process, both for internal alignment and for user testing conducted in Cantonese with Hong Kong locals. These prototypes helped validate core flows including onboarding, the numberless card experience (Mox was the first bank in Asia to launch an all-in-one numberless bank card with Mastercard), and the rewards system.
Understanding the Market
Hong Kong's relationship with money is distinct. Locals are extremely financially literate, most carry two to three credit cards, and there's a deeply ingrained "Jetso" mindset of maximising every dollar. But traditional banking was fragmented, lacking timely updates and disconnected from the way younger Hong Kongers actually manage their finances. Many were freelancing or in the gig economy where income wasn't predictable.
At the same time, Hong Kong locals weren't familiar with the concept of a bank that existed solely on a phone. We were introducing a new behaviour into the market, not just a new product.
The Challenge
The Hong Kong Monetary Authority had just issued virtual banking licenses for the first time, and Standard Chartered was one of the select companies awarded one. Rather than extending their existing banking experience into digital, they wanted to build something entirely new. A bank designed for a generation of financially savvy Hong Kong millennials who were living paycheck to paycheck in one of the world's most expensive cities, underserved by traditional banking systems that hadn't kept up with how they actually live.
R/GA was brought in to help design and launch the product that would become Mox.
My Role
UI and Motion Designer at R/GA. I worked across visual and UI design direction, design system and component architecture, motion design and interaction, and prototyping. The team worked in two-week sprints, delivering 10 epics within four months.
Defining the Product
Mox was positioned around a simple idea: help everyone in Hong Kong grow. Your money, your world, your possibilities. The brand name itself reflected this, standing for mobile experience, money experience, exponential growth, exploration.
The product needed to cover core banking (accounts, savings, spending, loans) while feeling nothing like a traditional bank. Features were designed around cultural and behavioural insights: instant account opening that could be completed in minutes, an "earn as you spend" rewards system, contextual loan options like "advance my pay" and "split my purchase" tailored to how young working adults actually manage cash flow, and a tiered gamification system that rewarded engagement with unlockable features and exclusive experiences.
The visual identity drew from the round shape of the Hong Kong dollar coin, a nod to Standard Chartered's heritage as Hong Kong's oldest note-issuing bank, while the overall experience was designed to feel modern, intuitive, and distinctly un-bank-like.
Mox Bank
Designing Hong Kong's first virtual bank from the ground up.
Outcome
Mox launched in Hong Kong in 2020 and grew rapidly. In year one, the bank acquired 170,000+ customers, with 80% onboarded in as little as three minutes. By 2021, users had tripled to over 200,000. The product generated over HKD 2.3 billion in customer spend, HKD 5 billion in savings deposits, and HKD 4 billion in loans.
Mox was voted the most trusted virtual bank in Hong Kong by YouGov, rated 4.7 on the App Store (the highest of any Hong Kong virtual bank), ranked number one in Asia by SIA, and received an honourable mention from Fast Company for best designed finance projects.
Projects
Projects
AI Approach
Projects
Kitchen
Projects
Resume.pdf
Projects
Tom Twiby®
Contact Me
Resume.pdf
Designing the Experience
I led visual design direction across the product, establishing the UI language that would carry across every feature and interaction. The design system was built to support rapid iteration at startup pace, with components structured for reuse across the full suite of banking features.
Motion design played a critical role in making complex financial information feel approachable. Interactions were designed to give users confidence in actions like transferring money, applying for loans, and managing their card, using motion to provide feedback, guide attention, and bring personality to what could otherwise feel like dry financial UI.
I built prototypes throughout the process, both for internal alignment and for user testing conducted in Cantonese with Hong Kong locals. These prototypes helped validate core flows including onboarding, the numberless card experience (Mox was the first bank in Asia to launch an all-in-one numberless bank card with Mastercard), and the rewards system.
Understanding the Market
Hong Kong's relationship with money is distinct. Locals are extremely financially literate, most carry two to three credit cards, and there's a deeply ingrained "Jetso" mindset of maximising every dollar. But traditional banking was fragmented, lacking timely updates and disconnected from the way younger Hong Kongers actually manage their finances. Many were freelancing or in the gig economy where income wasn't predictable.
At the same time, Hong Kong locals weren't familiar with the concept of a bank that existed solely on a phone. We were introducing a new behaviour into the market, not just a new product.
The Challenge
The Hong Kong Monetary Authority had just issued virtual banking licenses for the first time, and Standard Chartered was one of the select companies awarded one. Rather than extending their existing banking experience into digital, they wanted to build something entirely new. A bank designed for a generation of financially savvy Hong Kong millennials who were living paycheck to paycheck in one of the world's most expensive cities, underserved by traditional banking systems that hadn't kept up with how they actually live.
R/GA was brought in to help design and launch the product that would become Mox.
My Role
UI and Motion Designer at R/GA. I worked across visual and UI design direction, design system and component architecture, motion design and interaction, and prototyping. The team worked in two-week sprints, delivering 10 epics within four months.
Defining the Product
Mox was positioned around a simple idea: help everyone in Hong Kong grow. Your money, your world, your possibilities. The brand name itself reflected this, standing for mobile experience, money experience, exponential growth, exploration.
The product needed to cover core banking (accounts, savings, spending, loans) while feeling nothing like a traditional bank. Features were designed around cultural and behavioural insights: instant account opening that could be completed in minutes, an "earn as you spend" rewards system, contextual loan options like "advance my pay" and "split my purchase" tailored to how young working adults actually manage cash flow, and a tiered gamification system that rewarded engagement with unlockable features and exclusive experiences.
The visual identity drew from the round shape of the Hong Kong dollar coin, a nod to Standard Chartered's heritage as Hong Kong's oldest note-issuing bank, while the overall experience was designed to feel modern, intuitive, and distinctly un-bank-like.
Mox Bank
Designing Hong Kong's first virtual bank from the ground up.
Outcome
Mox launched in Hong Kong in 2020 and grew rapidly. In year one, the bank acquired 170,000+ customers, with 80% onboarded in as little as three minutes. By 2021, users had tripled to over 200,000. The product generated over HKD 2.3 billion in customer spend, HKD 5 billion in savings deposits, and HKD 4 billion in loans.
Mox was voted the most trusted virtual bank in Hong Kong by YouGov, rated 4.7 on the App Store (the highest of any Hong Kong virtual bank), ranked number one in Asia by SIA, and received an honourable mention from Fast Company for best designed finance projects.
Projects
Projects
AI Approach
Projects
Kitchen
Projects
Resume.pdf
Projects
Tom Twiby®
Contact Me
Resume.pdf
Designing the Experience
I led visual design direction across the product, establishing the UI language that would carry across every feature and interaction. The design system was built to support rapid iteration at startup pace, with components structured for reuse across the full suite of banking features.
Motion design played a critical role in making complex financial information feel approachable. Interactions were designed to give users confidence in actions like transferring money, applying for loans, and managing their card, using motion to provide feedback, guide attention, and bring personality to what could otherwise feel like dry financial UI.
I built prototypes throughout the process, both for internal alignment and for user testing conducted in Cantonese with Hong Kong locals. These prototypes helped validate core flows including onboarding, the numberless card experience (Mox was the first bank in Asia to launch an all-in-one numberless bank card with Mastercard), and the rewards system.
Understanding the Market
Hong Kong's relationship with money is distinct. Locals are extremely financially literate, most carry two to three credit cards, and there's a deeply ingrained "Jetso" mindset of maximising every dollar. But traditional banking was fragmented, lacking timely updates and disconnected from the way younger Hong Kongers actually manage their finances. Many were freelancing or in the gig economy where income wasn't predictable.
At the same time, Hong Kong locals weren't familiar with the concept of a bank that existed solely on a phone. We were introducing a new behaviour into the market, not just a new product.
The Challenge
The Hong Kong Monetary Authority had just issued virtual banking licenses for the first time, and Standard Chartered was one of the select companies awarded one. Rather than extending their existing banking experience into digital, they wanted to build something entirely new. A bank designed for a generation of financially savvy Hong Kong millennials who were living paycheck to paycheck in one of the world's most expensive cities, underserved by traditional banking systems that hadn't kept up with how they actually live.
R/GA was brought in to help design and launch the product that would become Mox.
My Role
UI and Motion Designer at R/GA. I worked across visual and UI design direction, design system and component architecture, motion design and interaction, and prototyping. The team worked in two-week sprints, delivering 10 epics within four months.
Defining the Product
Mox was positioned around a simple idea: help everyone in Hong Kong grow. Your money, your world, your possibilities. The brand name itself reflected this, standing for mobile experience, money experience, exponential growth, exploration.
The product needed to cover core banking (accounts, savings, spending, loans) while feeling nothing like a traditional bank. Features were designed around cultural and behavioural insights: instant account opening that could be completed in minutes, an "earn as you spend" rewards system, contextual loan options like "advance my pay" and "split my purchase" tailored to how young working adults actually manage cash flow, and a tiered gamification system that rewarded engagement with unlockable features and exclusive experiences.
The visual identity drew from the round shape of the Hong Kong dollar coin, a nod to Standard Chartered's heritage as Hong Kong's oldest note-issuing bank, while the overall experience was designed to feel modern, intuitive, and distinctly un-bank-like.
Mox Bank
Designing Hong Kong's first virtual bank from the ground up.
Outcome
Mox launched in Hong Kong in 2020 and grew rapidly. In year one, the bank acquired 170,000+ customers, with 80% onboarded in as little as three minutes. By 2021, users had tripled to over 200,000. The product generated over HKD 2.3 billion in customer spend, HKD 5 billion in savings deposits, and HKD 4 billion in loans.
Mox was voted the most trusted virtual bank in Hong Kong by YouGov, rated 4.7 on the App Store (the highest of any Hong Kong virtual bank), ranked number one in Asia by SIA, and received an honourable mention from Fast Company for best designed finance projects.
Projects
Projects
AI Approach
Projects
Kitchen
Projects
Resume.pdf
Projects
Tom Twiby®
Contact Me
Resume.pdf
Designing the Experience
I led visual design direction across the product, establishing the UI language that would carry across every feature and interaction. The design system was built to support rapid iteration at startup pace, with components structured for reuse across the full suite of banking features.
Motion design played a critical role in making complex financial information feel approachable. Interactions were designed to give users confidence in actions like transferring money, applying for loans, and managing their card, using motion to provide feedback, guide attention, and bring personality to what could otherwise feel like dry financial UI.
I built prototypes throughout the process, both for internal alignment and for user testing conducted in Cantonese with Hong Kong locals. These prototypes helped validate core flows including onboarding, the numberless card experience (Mox was the first bank in Asia to launch an all-in-one numberless bank card with Mastercard), and the rewards system.
Defining the Product
Mox was positioned around a simple idea: help everyone in Hong Kong grow. Your money, your world, your possibilities. The brand name itself reflected this, standing for mobile experience, money experience, exponential growth, exploration.
The product needed to cover core banking (accounts, savings, spending, loans) while feeling nothing like a traditional bank. Features were designed around cultural and behavioural insights: instant account opening that could be completed in minutes, an "earn as you spend" rewards system, contextual loan options like "advance my pay" and "split my purchase" tailored to how young working adults actually manage cash flow, and a tiered gamification system that rewarded engagement with unlockable features and exclusive experiences.
The visual identity drew from the round shape of the Hong Kong dollar coin, a nod to Standard Chartered's heritage as Hong Kong's oldest note-issuing bank, while the overall experience was designed to feel modern, intuitive, and distinctly un-bank-like.
Understanding the Market
Hong Kong's relationship with money is distinct. Locals are extremely financially literate, most carry two to three credit cards, and there's a deeply ingrained "Jetso" mindset of maximising every dollar. But traditional banking was fragmented, lacking timely updates and disconnected from the way younger Hong Kongers actually manage their finances. Many were freelancing or in the gig economy where income wasn't predictable.
At the same time, Hong Kong locals weren't familiar with the concept of a bank that existed solely on a phone. We were introducing a new behaviour into the market, not just a new product.
The Challenge
The Hong Kong Monetary Authority had just issued virtual banking licenses for the first time, and Standard Chartered was one of the select companies awarded one. Rather than extending their existing banking experience into digital, they wanted to build something entirely new. A bank designed for a generation of financially savvy Hong Kong millennials who were living paycheck to paycheck in one of the world's most expensive cities, underserved by traditional banking systems that hadn't kept up with how they actually live.
R/GA was brought in to help design and launch the product that would become Mox.
My Role
UI and Motion Designer at R/GA. I worked across visual and UI design direction, design system and component architecture, motion design and interaction, and prototyping. The team worked in two-week sprints, delivering 10 epics within four months.
Mox Bank
Designing Hong Kong's first virtual bank from the ground up.
Outcome
Mox launched in Hong Kong in 2020 and grew rapidly. In year one, the bank acquired 170,000+ customers, with 80% onboarded in as little as three minutes. By 2021, users had tripled to over 200,000. The product generated over HKD 2.3 billion in customer spend, HKD 5 billion in savings deposits, and HKD 4 billion in loans.
Mox was voted the most trusted virtual bank in Hong Kong by YouGov, rated 4.7 on the App Store (the highest of any Hong Kong virtual bank), ranked number one in Asia by SIA, and received an honourable mention from Fast Company for best designed finance projects.
Projects
Projects
AI Approach
Projects
Kitchen
Projects
Resume.pdf
Projects
Tom Twiby®
Contact Me
Resume.pdf
Designing the Experience
I led visual design direction across the product, establishing the UI language that would carry across every feature and interaction. The design system was built to support rapid iteration at startup pace, with components structured for reuse across the full suite of banking features.
Motion design played a critical role in making complex financial information feel approachable. Interactions were designed to give users confidence in actions like transferring money, applying for loans, and managing their card, using motion to provide feedback, guide attention, and bring personality to what could otherwise feel like dry financial UI.
I built prototypes throughout the process, both for internal alignment and for user testing conducted in Cantonese with Hong Kong locals. These prototypes helped validate core flows including onboarding, the numberless card experience (Mox was the first bank in Asia to launch an all-in-one numberless bank card with Mastercard), and the rewards system.
Defining the Product
Mox was positioned around a simple idea: help everyone in Hong Kong grow. Your money, your world, your possibilities. The brand name itself reflected this, standing for mobile experience, money experience, exponential growth, exploration.
The product needed to cover core banking (accounts, savings, spending, loans) while feeling nothing like a traditional bank. Features were designed around cultural and behavioural insights: instant account opening that could be completed in minutes, an "earn as you spend" rewards system, contextual loan options like "advance my pay" and "split my purchase" tailored to how young working adults actually manage cash flow, and a tiered gamification system that rewarded engagement with unlockable features and exclusive experiences.
The visual identity drew from the round shape of the Hong Kong dollar coin, a nod to Standard Chartered's heritage as Hong Kong's oldest note-issuing bank, while the overall experience was designed to feel modern, intuitive, and distinctly un-bank-like.
Understanding the Market
Hong Kong's relationship with money is distinct. Locals are extremely financially literate, most carry two to three credit cards, and there's a deeply ingrained "Jetso" mindset of maximising every dollar. But traditional banking was fragmented, lacking timely updates and disconnected from the way younger Hong Kongers actually manage their finances. Many were freelancing or in the gig economy where income wasn't predictable.
At the same time, Hong Kong locals weren't familiar with the concept of a bank that existed solely on a phone. We were introducing a new behaviour into the market, not just a new product.
The Challenge
The Hong Kong Monetary Authority had just issued virtual banking licenses for the first time, and Standard Chartered was one of the select companies awarded one. Rather than extending their existing banking experience into digital, they wanted to build something entirely new. A bank designed for a generation of financially savvy Hong Kong millennials who were living paycheck to paycheck in one of the world's most expensive cities, underserved by traditional banking systems that hadn't kept up with how they actually live.
R/GA was brought in to help design and launch the product that would become Mox.
My Role
UI and Motion Designer at R/GA. I worked across visual and UI design direction, design system and component architecture, motion design and interaction, and prototyping. The team worked in two-week sprints, delivering 10 epics within four months.
Mox Bank
Designing Hong Kong's first virtual bank from the ground up.
Outcome
Mox launched in Hong Kong in 2020 and grew rapidly. In year one, the bank acquired 170,000+ customers, with 80% onboarded in as little as three minutes. By 2021, users had tripled to over 200,000. The product generated over HKD 2.3 billion in customer spend, HKD 5 billion in savings deposits, and HKD 4 billion in loans.
Mox was voted the most trusted virtual bank in Hong Kong by YouGov, rated 4.7 on the App Store (the highest of any Hong Kong virtual bank), ranked number one in Asia by SIA, and received an honourable mention from Fast Company for best designed finance projects.
Projects
Projects
AI Approach
Projects
Kitchen
Projects
Resume.pdf
Projects
Tom Twiby®
Contact Me
Resume.pdf
Designing the Experience
I led visual design direction across the product, establishing the UI language that would carry across every feature and interaction. The design system was built to support rapid iteration at startup pace, with components structured for reuse across the full suite of banking features.
Motion design played a critical role in making complex financial information feel approachable. Interactions were designed to give users confidence in actions like transferring money, applying for loans, and managing their card, using motion to provide feedback, guide attention, and bring personality to what could otherwise feel like dry financial UI.
I built prototypes throughout the process, both for internal alignment and for user testing conducted in Cantonese with Hong Kong locals. These prototypes helped validate core flows including onboarding, the numberless card experience (Mox was the first bank in Asia to launch an all-in-one numberless bank card with Mastercard), and the rewards system.
Defining the Product
Mox was positioned around a simple idea: help everyone in Hong Kong grow. Your money, your world, your possibilities. The brand name itself reflected this, standing for mobile experience, money experience, exponential growth, exploration.
The product needed to cover core banking (accounts, savings, spending, loans) while feeling nothing like a traditional bank. Features were designed around cultural and behavioural insights: instant account opening that could be completed in minutes, an "earn as you spend" rewards system, contextual loan options like "advance my pay" and "split my purchase" tailored to how young working adults actually manage cash flow, and a tiered gamification system that rewarded engagement with unlockable features and exclusive experiences.
The visual identity drew from the round shape of the Hong Kong dollar coin, a nod to Standard Chartered's heritage as Hong Kong's oldest note-issuing bank, while the overall experience was designed to feel modern, intuitive, and distinctly un-bank-like.
Understanding the Market
Hong Kong's relationship with money is distinct. Locals are extremely financially literate, most carry two to three credit cards, and there's a deeply ingrained "Jetso" mindset of maximising every dollar. But traditional banking was fragmented, lacking timely updates and disconnected from the way younger Hong Kongers actually manage their finances. Many were freelancing or in the gig economy where income wasn't predictable.
At the same time, Hong Kong locals weren't familiar with the concept of a bank that existed solely on a phone. We were introducing a new behaviour into the market, not just a new product.
The Challenge
The Hong Kong Monetary Authority had just issued virtual banking licenses for the first time, and Standard Chartered was one of the select companies awarded one. Rather than extending their existing banking experience into digital, they wanted to build something entirely new. A bank designed for a generation of financially savvy Hong Kong millennials who were living paycheck to paycheck in one of the world's most expensive cities, underserved by traditional banking systems that hadn't kept up with how they actually live.
R/GA was brought in to help design and launch the product that would become Mox.
My Role
UI and Motion Designer at R/GA. I worked across visual and UI design direction, design system and component architecture, motion design and interaction, and prototyping. The team worked in two-week sprints, delivering 10 epics within four months.
Mox Bank
Designing Hong Kong's first virtual bank from the ground up.
Outcome
Mox launched in Hong Kong in 2020 and grew rapidly. In year one, the bank acquired 170,000+ customers, with 80% onboarded in as little as three minutes. By 2021, users had tripled to over 200,000. The product generated over HKD 2.3 billion in customer spend, HKD 5 billion in savings deposits, and HKD 4 billion in loans.
Mox was voted the most trusted virtual bank in Hong Kong by YouGov, rated 4.7 on the App Store (the highest of any Hong Kong virtual bank), ranked number one in Asia by SIA, and received an honorable mention from Fast Company for best designed finance projects.