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Feedback from users and internal teams consistently pointed to friction caused by the differing payment flows across services.   In addition, a shifting digital payment regulatory landscape, particularly in important markets like Indonesia and Vietnam where we operated through partners such as OVO and Moca due to the absence of a banking license, required the implementation of stronger user authentication measures. The core challenge was to create a unified user experience while meeting the demands of local regulatory compliance.   Our hypothesis was that introducing a consistent payment experience across these core services would reduce cognitive load, build greater customer trust, and improve the adoption rate of both existing and newly launched Grab services.","absoluteBoundingBox":{"x":14780.0,"y":1270.552734375,"width":1180.0,"height":198.0},"isolatedAbsoluteRenderBounds":{"x":14780.509765625,"y":1274.3876953125,"width":1168.2939453125,"height":191.64501953125},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,0.0]],"size":{"x":1180.0,"y":198.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.434275299310684,"g":0.434275299310684,"b":0.434275299310684,"a":1.0},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"strokeWeight":4.36634349822998,"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"Grab’s core services (Transport, Food, and Express) had fragmented payment experiences, which often led to customer confusion and increased the complexity of maintaining and updating these systems. Feedback from users and internal teams consistently pointed to friction caused by the differing payment flows across services.\n \nIn addition, a shifting digital payment regulatory landscape, particularly in important markets like Indonesia and Vietnam where we operated through partners such as OVO and Moca due to the absence of a banking license, required the implementation of stronger user authentication measures. The core challenge was to create a unified user experience while meeting the demands of local regulatory compliance.\n \nOur hypothesis was that introducing a consistent payment experience across these core services would reduce cognitive load, build greater customer trust, and improve the adoption rate of both existing and newly launched Grab services.","lineIndentations":[0,0,0,0,0],"lineTypes":["NONE","NONE","NONE","NONE","NONE"],"listStartOffsets":[],"lineStyleOverrides":[0,0,0,0,0],"lineTextDirections":null,"resolvedParagraphValues":{"0":{"listSpacing":0.0,"paragraphIndent":0.0,"paragraphSpacing":0.0},"1":{"listSpacing":0.0,"paragraphIndent":0.0,"paragraphSpacing":0.0},"2":{"listSpacing":0.0,"paragraphIndent":0.0,"paragraphSpacing":0.0},"3":{"listSpacing":0.0,"paragraphIndent":0.0,"paragraphSpacing":0.0},"4":{"listSpacing":0.0,"paragraphIndent":0.0,"paragraphSpacing":0.0}},"textAutoResize":"HEIGHT","style":{"styleIdForText":"StyleId:8bf4464e47adba5b0e731996c9b0fec08e1ec36d/4:3247","fontFamily":"DM Sans","fontPostScriptName":"DMSans-Regular","fontStyle":"Regular","textAutoResize":"HEIGHT","fontVariantPosition":"NORMAL","fontSize":15.0,"textAlignHorizontal":"LEFT","textAlignVertical":"TOP","letterSpacing":-0.075,"letterSpacingValue":-0.5,"letterSpacingUnit":"PERCENT","lineHeightPx":22.2000007629395,"lineHeightPercent":113.671272277832,"lineHeightPercentFontSize":148.0,"lineHeightUnit":"FONT_SIZE_%","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecoration":"NONE","textDecorationSkipInk":false,"textDecorationStyle":"solid","textTruncation":"DISABLED"},"styleOverrideTable":{}},"61:5429":{"mainComponentId":"29:1846","type":"INSTANCE","id":"61:5429","name":"paragraph/ 4","absoluteBoundingBox":{"x":14820.0,"y":735.0,"width":532.0,"height":540.0},"isolatedAbsoluteRenderBounds":{"x":14820.0,"y":735.0,"width":532.0,"height":540.0},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,0.0]],"size":{"x":532.0,"y":540.0},"fills":[],"strokeAlign":"INSIDE","layoutAlign":"STRETCH","strokes":[],"individualStrokeWeights":{"top":0.5,"right":0.0,"bottom":0.0,"left":0.0},"boundVariables":{"itemSpacing":{"type":"VARIABLE_ALIAS","id":"VariableID:f47087ae1e020b9f70bfcb3ee21e097b4dcf8cc1/4069:463"},"paddingTop":{"type":"VARIABLE_ALIAS","id":"VariableID:f48f9dd585f0b40aca0e7ffd155839fbfb5df776/4069:477"},"paddingBottom":{"type":"VARIABLE_ALIAS","id":"VariableID:f48f9dd585f0b40aca0e7ffd155839fbfb5df776/4069:477"}},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"layoutMode":"HORIZONTAL","itemSpacing":40.0,"primaryAxisSizingMode":"FIXED","children":["I61:5429;29:1837"],"componentProperties":{},"overrides":[{"key":[],"value":{"boundVariables":{"itemSpacing":{"type":"VARIABLE_ALIAS","id":"VariableID:f47087ae1e020b9f70bfcb3ee21e097b4dcf8cc1/4069:463"},"paddingTop":{"type":"VARIABLE_ALIAS","id":"VariableID:f48f9dd585f0b40aca0e7ffd155839fbfb5df776/4069:477"},"paddingBottom":{"type":"VARIABLE_ALIAS","id":"VariableID:f48f9dd585f0b40aca0e7ffd155839fbfb5df776/4069:477"}},"name":"paragraph/ 4","size":{"x":532.0,"y":540.0},"strokes":[]},"componentId":"29:1846"},{"key":["Headline and icons0"],"value":{"boundVariables":{"itemSpacing":{"type":"VARIABLE_ALIAS","id":"VariableID:5bc034d33041f2c3f5e0204f2b6cac9f1e9be985/4069:467"},"paddingBottom":{"type":"VARIABLE_ALIAS","id":"VariableID:f48f9dd585f0b40aca0e7ffd155839fbfb5df776/4069:477"}}},"componentId":"29:1846"},{"key":["Headline and icons0","Header component/ 20"],"value":{"overrides":[{"key":[],"value":{"visible":false},"componentId":"28:3765"}]},"componentId":"29:1846"},{"key":["Headline and icons0","Icons module0","Icon lockup 10","Text 10","The initial focus of the Payment SDK project was on users in Indonesia and Vietnam. This prioritisation was a direct response to requests from the Bank of Indonesia and the State Bank of Vietnam to enhance the safety of digital payments through user authentication in these countries. ​ In Vietnam, digital payments were managed by Moca, while OVO was the payment service in Indonesia. These differences highlighted a key requirement for the Payment SDK. It couldn’t be a generic solution. Instead, it needed to be tailored to integrate seamlessly with both Moca and OVO, as well as with Grab’s own GrabPay in other markets.   Besides the immediate regulatory requirements in Indonesia and Vietnam, it was essential for the Payment SDK to be designed with scalability in mind. 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Although our number of transport transactions dramatically lowered during the outbreak due to local lockdowns and regulations, the demand for delivery services and e-commerce has led to a surge in the total transaction volume of digital payments. As a result, governments in the region are exploring better ways to safeguard the digital payment space for businesses and citizens alike.","absoluteBoundingBox":{"x":13956.0,"y":12617.0,"width":1200.0,"height":66.0},"isolatedAbsoluteRenderBounds":{"x":13956.4345703125,"y":12622.125,"width":1183.7421875,"height":58.35546875},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,0.0]],"size":{"x":1200.0,"y":66.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.434275299310684,"g":0.434275299310684,"b":0.434275299310684,"a":1.0},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"strokeWeight":4.36634349822998,"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"The digital payment regulatory environment had significantly changed since COVID. Although our number of transport transactions dramatically lowered during the outbreak due to local lockdowns and regulations, the demand for delivery services and e-commerce has led to a surge in the total transaction volume of digital payments. 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