V.way – Neonet

About the client

Neonet is a leader in digital payments across Guatemala and Central America, with an ecosystem of solutions for merchants and end users. V.way is the digital wallet that brings new, innovative solutions to support users in their daily lives.

With V.way, users can:

- Make instant transfers with no time restrictions.

- Receive remittances from the United States quickly and easily.

- Accept contactless payments directly from their phone.

- Pay credit cards in real time using Visa and Mastercard across all Guatemalan banks.

The app became a key channel to send and receive money, collect remittances, pay cards, and operate with QR in stores.

Client needs

• · Remove friction in registration and digital onboarding to accelerate adoption and recurring wallet usage.
• · Modernize the UX/UI to connect with younger segments and enhance brand perception.
• · Accelerate time-to-market with frequent releases on a scalable foundation.
• · Integrate key use cases in one place: instant interbank transfers, remittance requests to the U.S., real-time card payments, contactless payments from the phone, and QR transactions.

Digital wallet development

• · 100% digital onboarding with sign-up and verification in just a few steps, designed to drive conversion and reduce churn.
• · Digital wallet UI/UX design and design system for simple, consistent flows on iOS and Android.
• · Digital wallet development on iOS and Android with native technologies: Swift and Kotlin.
• · Implemented core features: instant interbank transfers, remittance requests to the U.S., real-time Visa/Mastercard card payments, contactless (NFC) payments from the phone, and QR/CUIK payments—all centralized in the app.
• · Integrated Visa and Visa Direct technologies: Tap to Phone, Tap to Pay, Tap to Share, Tap to Everything.
• · Introduced Tap to Phone technology, turning a smartphone into a contactless payment device.
• · Architecture and performance ready to scale (APIs, monitoring, CI/CD) with biweekly releases.
• · Security and compliance by design for 24/7 operations.

Services provided

Strategy
Digital product

Design
UX/UI

Development
Digital Wallet

QA and analytics for
Product

Results

• · Accelerated adoption and increased user loyalty.
• · Time-to-market faster with continuous releases.
• · Simple transactions: interbank transfers, card payments, and QR collections.
• · Remittances to the U.S. requested and credited through the app, with no in-person procedures.
• · Scalable app offering hyper-personalized experiences.
• · Digital channel evolved with strong acquisition among Gen Z.
• · 100% digital onboarding with instant transfers across Guatemalan banks using Visa and Mastercard, reducing friction in sign-up and money transfers.
• · 24/7 availability with no time restrictions, aligned with a fully mobile experience.
• · Continuous product evolution on iOS and Android with biweekly UX and performance improvements.