Setlary enhances employee financial well-being through its B2B Earned Wage Access (EWA) service, allowing users to access their salaries before payday to meet urgent needs. The Daily Auto Cash-Out feature enables users to receive their prorated daily salary without waiting for payday. After deploying this feature, we identified several user experience and comprehension issues that needed to be addressed. By redesigning the experience, we achieved a 42.86% increase in Daily Auto Cash-Out transactions.

The Daily Auto Cash-Out (DAC) feature, introduced by Setlary, allows users to receive their prorated daily salary without waiting for payday. Before I joined, this feature had already been deployed. However, through Qualitative Guerrilla Testing and Interviews to potential users, we identified several issues that prevented some users from understanding what the feature is and how it works. Our team recognized this as a critical factor contributing to conversion.

Daily Auto Cash-Out (DAC) is a feature that allows users to automatically receive their prorated daily salary from the day of activation until the end of the current month. Once activated, users will receive their salary every day at 8 AM (or 20:00 Western Indonesia Time), with funds automatically transferred to their bank account. A transaction history will also be provided. Users are charged a one-time fee upon activation, which is automatically deducted from their salary. This feature cannot be canceled once enabled.

By receiving their salary daily, users no longer need to wait until payday, making it easier to manage daily expenses, cover urgent needs, and avoid reliance on high-interest loans or credit. This consistent cash flow provides financial stability, helping users budget more effectively and reduce financial stress.

Fig. 1 - Existing DAC screen, before activating DAC (left) and after activating (right)

The problem lies in the information presented on the DAC page. Users struggled to understand what the feature is and why they should use it. They were also unable to confidently explain how the fee works, leading to confusion and hesitation in using the feature. Additionally, users found it difficult to determine the total salary they would receive, making the process less intuitive and user-friendly.

The goal of this redesign is to ensure that users clearly understand the Daily Auto Cash-Out feature, making it more intuitive and user-friendly to encourage adoption and increase conversions. Research findings revealed that the primary issue occurs when users first encounter the feature page before activation. At this stage, confusion about how the feature works, its benefits, and the associated fees can lead to hesitation or abandonment. By addressing these pain points, we aim to create a smoother user journey, improve clarity, and ultimately drive higher engagement and conversion rates.

After gaining insights into users' problems, I defined and discussed them with my design team, product team and marketing team, and developed the following solutions:

With those solutions in mind, I moved forward with the design process—creating sketches, refining concepts, and incorporating insights from the marketing and product teams to better position the feature. I then developed a high-fidelity design and an interactive prototype to test with users, ensuring the solution effectively addressed their needs.

My goal was to present essential information clearly on the DAC landing screen, as this is the first page users see when opening the Daily Auto Cash-Out (DAC) feature. Ensuring users fully understand how the feature works was a top priority.

The first change I made was moving from a bottom sheet to a dedicated page for DAC. This decision was driven by the need for a structured and scalable layout, ensuring that all key information—such as how DAC works, the fee structure, and the total amount breakdown—could be displayed more effectively. A dedicated page allows for better content organization. With a full page, users can also scan information more easily, interact with content without space constraints.

I focused on revamping the information layout, emphasizing four key points:

How Daily Auto Cash-Out Works – Enhanced clarity using a combination of animations, microcopy, and visual structure.

Fee Structure Explanation – Clearly stated whether it’s a one-time charge, making it prominent and easy to grasp.

Complete Salary Breakdown – Displayed the total amount users will receive, while still maintain a detailed per-day breakdown.

Refining Copy & Reducing Jargon – Simplified language and opted for clearer wording to ensure users quickly understand the feature, collaborating closely with the Marketing team.

UI Usability Improvement – Identified and resolved a usability issue where user mistakenly believed they needed to select specific days due to a design resembling radio buttons. Replaced it with a calendar-like card component, making the month and days more intuitive and visually distinct.

Another improvement I made was moving the detailed daily salary breakdown into a bottom sheet, keeping only the overview visible on the homepage. This declutters the main screen, allowing users to focus on critical information first—such as the total amount received and the fee structure—without feeling overwhelmed. By prioritizing high-impact content, users can quickly grasp essential details while still having the option to explore secondary information when needed.

For the post-activation screen, we didn't change much. We continue using existing pattern as there's no issue, just couple on changes to make it in line with the new proposed UI.

We also added new information screens to further explain how the DAC works, as this type of information wasn’t stated anywhere before."

After completing the prototype, I conducted Guerrilla Testing with five potential users. I gathered their feedback, observed their interactions, and assessed their understanding of the feature. The results showed that users quickly grasped how the feature works—more effectively than with the existing design.

After deployment, we discovered an increase on adoption. We achieved a 42.86% increase in Daily Auto Cash-Out transactions.