Comprehensive ERP SaaS for Banking Co-operatives / Credit Unions

Context

There are over 20000+ Savings and Credit Cooperatives (SACCOS) in Nepal, which were largely using disparate or paper based systems to manage their operations. Cross-SACCOS transfers were manual and Members had no easy way to access their information.

Myra is a cloud-based co-operative management platform that digitalizes operations for savings-and-credit unions. It consolidates what used to be several disconnected systems into one SaaS. It is positioned as a simple, secure and shared digital platform connecting cooperatives with technology for Nepal's large but largely under-digitized co-operative (सहकारी) sector.

My Role

As Lead Product Designer, I led the experience from research and information architecture to interaction design and UI across all the 10+ products for both web and mobile. 

The work spanned several distinct user types: co-operative staff and tellers, administrators, and the members themselves.

The Problem

Many co-operatives still ran on paper ledgers, spreadsheets and standalone desktop tools. Savings and credit, member records, share trading, accounting and inventory each lived in their own silo, making day-to-day operations manual and error-prone and leaving members with no convenient digital access to their own accounts. Onboarding new co-operatives to software was itself a barrier.

What I Did

I led the entire product design from product discovery phase till shipping in 8 months.

• Designed a unified system across modules — Core Banking (savings & credit), Member & Share Management, Accounting and Inventory, E-banking, And more — so staff work in one consistent interface instead of switching tools.
• Designed member-facing digital channels — mobile banking, internet banking and SMS banking to give members self-service access that most co-operatives had never offered.
• Designed for low-friction onboarding — "simple setup, quick registration, secure data" — recognizing that the target co-operatives have limited technical staff.
• Balanced two very different audiences — dense, efficient back-office screens for power users against simple, reassuring flows for first-time member app users.
• Led a team of 6 designers, 2 content writers — who worked on the different modules of the platform.
• Multi-Lingual Support — Myra supports Nepali and English language to make it more accessible to the people of Nepal.

Some Application Examples

Customer-facing e-banking platform

E-banking

Customer facing mobile banking application

Mobile App for Field Staff (Credit Union Market Representative )

Outcome

Over 1000 SACCOS (Savings and Credit Cooperatives Societies ) of Nepal currently use the platform. 

Myra shipped as a web-plus-mobile platform that lets co-operatives move from informal, manual structures to modern digital operations essedntially democratizing technology for the sector with a secure, simple and cost-effective digital start for cooperatives.

Reflection

Designing a system to unify applications that serve very different yet integrated financial functions while ensuring it is simple enough for less tech friendly people was a rewarding experience.