Index

A pay-later product, from first sketch to launch

    Index

    Taly · Founding Designer · 2023 – 2025

    A pay-later product, from first sketch to launch

    Sole designer across the checkout SDK, the native mobile app and the marketing website, and author of the design system that ties the three together.

    Total you owe

    KD 447.000

    Tanmia

    8 Jul 2025 · Pay in 4

    KD 200.000

    Pay due today
    Paid
    KD 50.000    8 Aug
    KD 50.000    8 Sep
    KD 50.000    8 Oct
    KD 50.000
    Order details

    Stc

    24 Jun 2025 · Pay in 3

    KD 90.000

    1 missed payment
    Paid
    KD 30.000    24 Jul
    KD 30.000    24 Aug
    KD 30.000
    Order details

    Urban Outfitters

    21 Jul 2025 · Pay in 2

    KD 64.000

    Pay due in 13 days
    Paid
    KD 32.000    21 Aug
    KD 32.000
    Order details

    Abyat

    30 Jul 2025 · Pay later

    KD 120.000

    Pay due in 17 days
    25 Aug
    KD 120.000
    Order details

    Stc

    2 Aug 2025 · Pay in 4

    KD 90.000

    KD 120.000

    Pay due in 25 days
    Paid
    KD 30.000    2 Sep
    KD 20.000    2 Oct
    KD 20.000    2 Nov
    KD 20.000
    Order details

    Abyat

    10 May 2025 · Pay in 4

    KD 100.000

    Pay due in 2 days
    Paid
    KD 25.000    Paid
    KD 25.000    Paid
    KD 25.000    10 Aug
    KD 25.000
    Order details
    9:41

    Context

    Taly is a Kuwaiti company that lets people buy now and pay later. A shopper splits a purchase into four equal monthly payments, or pays all of it within thirty days, with no interest and no fees. It is built to be Sharia-compliant, and its chief executive presents it as the first Kuwaiti startup to offer the service with the approval of the Central Bank of Kuwait.1

    It works wherever the shopper is: in an online shop, at the till, and in Taly’s own app. By 2026 that included a hypermarket chain and the national airline.2

    The counter of a clothing shop, with a till on the left and folded sweaters on the right. Between them stands a blue Taly sign that reads “Shop now. Pay later. 0% interest, 100% Shariah-compliant”, with the logos of Taly, Apple Pay, KNET, Mastercard and Visa and a phone showing a code to scan.
    Taly at the till: the stand that tells shoppers they can pay later, and how.
    An advertisement for Taly at JYSK, in Kuwait. Thirty seconds, with sound.

    TODO (Guillem): more of Taly in the wild: shop windows, the banners in Kuwait’s malls. And a few lines of your own on the market: who pays in installments in Kuwait, and what they did before Taly.

    My role

    I was the founding designer, and for most of the time the only one. I designed the checkout that merchants plug into their shops, the native app and the marketing website, and wrote the design system the three are built on.

    TODO (Guillem): who you worked with (founders, engineers, how many), and what you handed over: tokens, components, specifications for iOS and for Android.

    Process

    The checkout

    A purchase with Taly starts in someone else’s shop. On the product page, a small banner under the price says what four payments would come to. At the shop’s checkout Taly is one more way to pay, next to KNET and cards, and choosing it shows the four dates before anything is confirmed.

    From there the shopper is in Taly, and it has to feel like their phone, not like a web page inside a shop. The checkout is a web app, but it is drawn with iOS’s own parts: the toolbar with its glass buttons, the number pad, the sheets. Signing in asks for one thing, a mobile number, and proves it with a code sent over WhatsApp.

    9:41
    Tanmia
    A pink leather bag with a chain strap

    Messina Bag

    KD 200.000

    Taly

    Split your payment in 4 of KD 50.000

    0% interest always

    • Description
    • Size & Fit
    • Reviews
    From a shop’s product page to Taly: Taly is chosen as the way to pay, opens over the shop, and signs the shopper in with a mobile number and a code sent over WhatsApp.

    Then the one decision that is Taly’s: how to pay. Four plans sit on one control, and the schedule under it redraws as it moves: what is due today, what is due later and when. The button always says the exact amount it will charge. Paying is Apple Pay’s own sheet. Taly confirms the payment, and hands the shopper back to the shop with the order placed.

    9:41
    Tanmia
    A pink leather bag with a chain strap

    Messina Bag

    KD 200.000

    Taly

    Split your payment in 4 of KD 50.000

    0% interest always

    • Description
    • Size & Fit
    • Reviews
    9:41
    Tanmia

    Thank you!
    Your order #BE12345 has been placed.

    We sent an email to noor@example.com with your order confirmation and bill.

    Time placed: 08/07/2025 09:41

    Order Items

    Messina BagKD 200.000

    Arrives by July 12 to July 18

    9:41
    Talyالعربية
    Your limit is KD 260.000Learn more

    Your order

    TanmiaKD 200.000

    Payment Plan

    Pay due today
    Today
    KD 50.000    8 Aug
    KD 50.000    8 Sep
    KD 50.000    8 Oct
    KD 50.000

    Payment method

    Apple Pay
    KNET

    By proceeding, I confirm that I have read and agree to the Terms & Conditions

    The four payment plans, then paying in four: Apple Pay, the payment confirmed, and back in the shop with the order placed.

    TODO (Guillem): what you want said about the checkout: why WhatsApp before SMS, why the plan is chosen on Taly and not in the shop, what changed after the first merchants went live.

    The app

    The app is native, and it starts by behaving that way. The first time it opens, it says what it would send notifications for before iOS asks its own question, so the system’s alert is not the first thing a new shopper reads. Three screens say what the app is for, and signing in comes up as a sheet, over the app, not as another page.

    Taly
    The first time the app is opened: notifications, the welcome screens and signing in.

    After a purchase, the relationship moves to the app. A month later the second payment falls due, and Taly says so where the shopper will see it: on the lock screen. The app opens on its logo and lands on the one tab that matters that day, the payments that are due.

    Paying takes one sheet. The installment that is due is already ticked. The shopper can add the ones after it and get ahead, and the amount at the bottom follows every tick. Once the payment is through, the order comes back up to date: one more stretch of the bar in green, and the next date a month away.

    9:41

    9:41

    Friday, August 8

    swipe up to open

    From the reminder on the lock screen to the payment made: two more installments are ticked and let go, the one that is due is paid, and the order comes back up to date.

    Every order on that tab is the same card. It was designed as one modular part with many states, so that whatever happens to an order has one place to be said: a payment due or missed, an order refunded in part, paid later or in two, three or four. The tab only lists orders with something still to pay; one that is paid off or cancelled leaves it.

    Total you owe

    KD 447.000

    Tanmia

    8 Jul 2025 · Pay in 4

    KD 200.000

    Pay due today
    Paid
    KD 50.000    8 Aug
    KD 50.000    8 Sep
    KD 50.000    8 Oct
    KD 50.000
    Order details

    Stc

    24 Jun 2025 · Pay in 3

    KD 90.000

    1 missed payment
    Paid
    KD 30.000    24 Jul
    KD 30.000    24 Aug
    KD 30.000
    Order details

    Urban Outfitters

    21 Jul 2025 · Pay in 2

    KD 64.000

    Pay due in 13 days
    Paid
    KD 32.000    21 Aug
    KD 32.000
    Order details

    Abyat

    30 Jul 2025 · Pay later

    KD 120.000

    Pay due in 17 days
    25 Aug
    KD 120.000
    Order details

    Stc

    2 Aug 2025 · Pay in 4

    KD 90.000

    KD 120.000

    Pay due in 25 days
    Paid
    KD 30.000    2 Sep
    KD 20.000    2 Oct
    KD 20.000    2 Nov
    KD 20.000
    Order details

    Abyat

    10 May 2025 · Pay in 4

    KD 100.000

    Pay due in 2 days
    Paid
    KD 25.000    Paid
    KD 25.000    Paid
    KD 25.000    10 Aug
    KD 25.000
    Order details
    9:41
    “Payments due” with six active orders from four partners, each in a different situation: due today, a missed payment, paid in two, paid later, refunded in part, and one payment from done.

    Around that tab sits the rest of the app, four tabs on iOS’s floating bar: Explore, with what is new and the partners Taly puts forward; Stores, by category; Payments due; and Account.

    Search brands

    Welcome to Taly, Noor

    New iPhone 18

    1 payment due today

    Total you owe

    KD 447.000

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    9:41
    The app’s four tabs: Explore, Stores, Payments due and Account.

    TODO (Guillem): anything you want said about Explore, Stores or Account, and the flows behind them (a partner’s page, order details) if you want them shown.

    The partners’ app

    At the till, Taly is a second app: the one the shop uses. A cashier opens it on the shop’s orders, starts a new one, types the amount and then the customer’s mobile number. Taly sends that customer a link to its checkout, over WhatsApp or SMS, and they pay on their own phone. The cashier can wait on that screen, or add the order to the queue and go back to the list. There it sits first under “Initiated”, and its status keeps beating for as long as the order is open.

    It is one Flutter codebase for iOS and Android, and it is shown here on Android. The status bar, the number pad and the three buttons under it are the system’s own. Everything else is the same design system as the checkout and the shoppers’ app.

    Taly Partners
    A new order in the partners’ app, on Android: the amount, the customer’s mobile number, the link created, and the order added to the queue, first under “Initiated”.

    TODO (Guillem): why the queue exists (what happened at the till before it), what you had to change for Flutter and Android, and the rest of the partners’ app if you want it shown: the QR code, refunds, the payouts.

    The design system

    TODO (Guillem): the components, shown as they are, and what it took to design two fully native apps, iOS and Android, from one system.

    Outcome

    TODO (Guillem): what shipped and when, and any number you can share: merchants, shoppers, orders, the rating of the app.

    1. 1From the announcement of Taly’s agreement with Kuwait Finance House, August 2023, where Taly’s chief executive describes the service. ↩
    2. 2LuLu Hypermarket, reported by the Kuwait Times on 4 April 2026, and Kuwait Airways. ↩
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