Get rid of the old, expensive, fraud-ridden card system and introduce a new era of ‘Smart Payments’ with much lower fees for merchants and better payment experiences for customers.
Curl is an upgrade to the way we pay which doesn't use cards — a completely new payment network designed from scratch to serve people and businesses instead of banks and card companies.
Curl works by @usernames and by turning your phone into a smart remote control for your bank account. You make Smart Payments by telling your own bank account @who to send money to, and how much.
Basic features include: no sensitive information exchanged at any time (even for online checkouts) and automatic handling of loyalty and discounts like buy 6 coffees get your 7th free.
In your regular places, e.g. coffeeshop or lunch spots, you can turn on Hands Free so everything about your payment is taken care of in the background and you just receive a push notification when it's done.
I'm responsible for the overall design of Curl as a product — how it works, what it looks and feels like, and ultimately the value it produces for the people and businesses using it.
I lead the design of 2x mobile apps to turn your phone into a smart remote control for your bank account(s).
We made an e-commerce checkout flow with no forms, no logins, and no sensitive information exchange.
We made a merchant app for taking Curl payments in shops. It shows the shopkeeper a live list of nearby customers and reminds them of names and what each person's regular order is.
As a product guy, I get my hands dirty down to the wire. These interfaces matter — they can have major implications for the people using the product and those working on it.
Nothing beats understanding. Good product management means making sure the whole team knows what we're trying to achieve with each feature and, more importantly, why.
Complicated plans tend to create more problems than they solve. Good plans are simplified as much as possible and leave room for adaptation.
‘You make what what you measure’. Good task definitions are as specific as possible about risks, goals, and end results. And Trello is a good thing.
Written exclusively in Swift, it has a redux architecture and makes extensive use of event sourcing and public-key crypto.
A fullscreen web app for taking Curl payments in shops, designed to run on any mobile device. This ‘Sidecar’ device sits next to the shop's main point-of-sale like a card machine, but better.
An e-commerce plugin for paying with Curl from any website — no forms, no passwords, and no sensitive information exchanged.
The public website needed coding too. In olden times, when dial-up modems used to make cool noises, they'd've called me the webmaster.
Curl mission statement — I wrote a blog post which says why Curl is here and what problem we're solving.
Human-readable T&C's — it's good to cut through the legalese and (try to) add a bit of life and humour instead.
A straightforward explanation of how your data is protected as a Curl user.
