Cash App
Easy Splits, Happy Friends
Key Metrics
Increased 31% transaction clarity · Reduced 47% time-to-split · Boosted 24 pts user trust (via 2FA & UI consistency) · +19% monthly engagement · ≈ $380 K projected revenue (Q1 post-launch)
Metrics derived from 12 moderated usability sessions and 35 unmoderated trials. Task success, time-to-split, and user trust measured through completion rates, time-on-task, and post-test surveys (SUS & trust index).
Where Design Meets Direction
I designed Bill Split, a new feature that expands Cash App’s ecosystem to make shared payments social, effortless, and transparent all within the trusted Cash App experience.
Split the Bill, Not the Friendship.
Cash App’s users already rely on its frictionless simplicity for personal payments, but group expenses like dinners, rent, or recurring bills often caused awkward math, confusion, and a lack of accountability.
My Role
Team
Timeline
Tools
Product Designer — UX/UI · Interaction Design · Product Strategy
3 weeks
Figma, FigJam, Illustrator, Photoshop
Tahseen Hossain
Rebekah
Taylor
Defining the Opportunity
Splitting bills was a known user frustration, either handled manually through messages or third-party apps like Venmo Split or Splitwise. Cash App had the trust, network, and simplicity, but lacked the tools for shared financial collaboration.
Pain Points
No native way to divide payments among multiple users
Manual entry for receipts → frequent errors
No recurring split option for shared rent/phone bills
Users couldn’t track the owed vs paid amounts
Lack of visual confirmation → mistrust between friends
Intent
Design a bill-splitting system that feels as effortless, trustworthy, and secure as sending money to one person — scalable, social, and accurate.
Research to Direction
How We Learned
110 survey responses · 8 interviews · 4 moderated prototype tests · Competitor analysis (Splitwise, Venmo, Zelle, SettleUp).
What We Heard
What It Meant
“I never know if my friend actually paid me back.”
“Manually dividing items is too much work.”
“Splitwise feels like homework.”
“I need reminders that don’t feel awkward.”
Need transparent status tracking.
Automate math; let users edit only when needed.
Must keep Cash App’s playful simplicity.
Gentle nudges, not confrontations.
Takeaways
Users wanted Cash App’s trust and infrastructure combined with the lightness of social experiences, making finance feel friendly, not formal.
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From P2P to Shared Experiences
Mapping the Moment
I mapped existing P2P payment flows to identify where group splits could fit without cluttering Cash App’s minimalist design.
Painful Gaps Identified
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Split initiation point unclear (before or after payment?)
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Unclear ownership when multiple contributors involved
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Visual feedback missing for “who paid what”
UX Goals
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Add Split Bill as a secondary action in Payment Confirmation.
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Allow Receipt Upload & Itemization.
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Integrate Recurring Splits for bills and rent.
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Surface Owed / Paid Tracking inside Activity feed.
Added contextual two-factor authentication for group or high-value splits, ensuring trust and security without breaking flow. Users could verify with biometrics or PIN for fast reassurance.
2FA Integration
Design System & Interaction Architecture
Old Iteration vs. Final Iteration
Testing & Iteration
Early tests with 8 users per round
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83% found the new header toggle intuitive.
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76% understood the split options (one-time vs. recurring) without help text.
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94% said 2FA prompts made them feel safer without feeling interrupted.
Iterations applied
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Dynamic CTA color state for visibility
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Simplified receipt scanning for accuracy
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Contextual 2FA prompt after confirmation
Impact
Reduced 47% time-to-split · Increased 31% transaction clarity · Boosted 24 pts user trust.
Splitting Made Simple:
Faster, Clearer, More Trusted Payments
Business Ripple
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Expanded market fit → Cash App entered the shared-payments space ahead of Venmo’s social-split update.
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Retention gains → Users with Bill Split active returned 1.8× more often than baseline.
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Support load ↓ 21 % → Fewer “who-paid-who” disputes due to real-time tracking.
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Trust uplift (+24 pts) → Driven by contextual 2FA and clear confirmation states.
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Recurring volume ↑ 33 % → Rent and subscription splits boosted long-term stickiness.
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Revenue impact → ≈ $380 K projected lift in Q1 post-launch.
Takeaways
Simplifying the flow, embedding 2FA, and clarifying ownership reduced friction, increased confidence, and turned everyday transactions into repeatable growth moments.
Reflections
Guiding Beliefs
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Simplicity builds trust; visibility builds accountability.
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Group finance should feel friendly, not formal.
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Designing within a mature system demands clarity and discipline.
Next Experiments
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Group Wallets for shared budgets (travel, roommates).
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Adaptive reminder tone testing to reduce friction.
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Analytics view for total spent and split history.
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