Designing for Nepal Wallets
Cash, Bank, eSewa, Khalti, IME Pay — modeling how people actually hold money.
A finance app built only for “bank account” misunderstands Nepal. People split money across cash, cards, and digital wallets like eSewa, Khalti, and IME Pay — often in the same afternoon.
BolKharcha models each as an account type with its own balance and history. Transfers are not edge cases; they are the plot.
UI should make switching accounts obvious. Color, icons, and labels help users recognize wallets at a glance without reading paragraphs.
Onboarding must ask where money lives today. Empty “primary account” assumptions create abandoned setups.
Reconciliation across wallets is a user need. “Where did my 2,000 go?” is a multi-account question.
Design systems should include wallet language in empty states and examples. Local realism builds immediate trust.
Global templates are starting points. Local payment culture is the product.