HSBC Multi-Currency Business Wallet

Overview

I led the discovery and proposition design for HSBC’s Multi-Currency Business Wallet, a product aimed at helping SMEs manage, hold and move money across multiple currencies with lower friction and clearer visibility. The work covered early research, proposition shaping, feature definition and detailed user flows.

Role

Product & CX Consultant, BE Group

Highlights

• I led the discovery and proposition design for HSBC’s Multi-Currency Business Wallet, a product aimed at helping SMEs manage, hold and move money across multiple currencies with lower friction and clearer visibility. The work covered early research, proposition shaping, feature definition and detailed user flows.
• I started with deep discovery across SME segments, mapping how businesses send, receive and convert funds across markets. I identified the biggest pain points: high FX fees, unclear settlement timelines, poor visibility of balances and a lack of simple tools for managing multi-currency cash flow.
• The work informed HSBC’s product roadmap and created the foundation for a clearer, SME-focused multi-currency experience. Teams used the flows, feature definitions and proposition framework to shape the final product and align on delivery across regions.

What I Delivered

I started with deep discovery across SME segments, mapping how businesses send, receive and convert funds across markets. I identified the biggest pain points: high FX fees, unclear settlement timelines, poor visibility of balances and a lack of simple tools for managing multi-currency cash flow.

Impact

The work informed HSBC’s product roadmap and created the foundation for a clearer, SME-focused multi-currency experience. Teams used the flows, feature definitions and proposition framework to shape the final product and align on delivery across regions.