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Performance Design Consultancy

Remember the last time you "almost" applied?

Your customers are leaving for the same reason. We redesign the architecture that breaks the flow.

AI-Assisted · Fintech, Banking & Insurance · Singapore

MoneyHero Group
SingSaver
MoneyHero Hong Kong
OnlinePajak
Money101

The 30-second version

What “almost” costs

The Problem

They're almost there. Then they're gone.

  • —Drop-off isn't on one screen. It compounds across the full journey, invisibly.
  • —50–70% of high-intent users abandon before completing.
  • —Most teams see the number. Nobody owns the fix.
See where it breaks
The Root Cause

It's not the button. It's the structure.

  • —Surface fixes — copy, colours, layout — can't solve structural gaps.
  • —Most journeys were built for internal review, not for the user who just arrived.
  • —The friction is architectural. The fix has to be too.
How we diagnose it
The Outcome

Most of the upside is in your existing traffic.

  • —15–40% conversion uplift across the engagements we've run.
  • —2–3x faster time-to-decision through better information hierarchy.
  • —Measurable before/after results in weeks, not quarters.
See measured results

Problem

You can see where they leave. You can’t see what made them.

Your analytics show the drop-off. They don’t explain it. The problem isn’t on the surface—it’s in the structure.

abandon mid-journey (source: Baymard Institute)
70%70%
abandon mid-journey
higher to acquire (source: Bain & Company)
5×5×
higher to acquire
leave due to poor usability (source: Forrester Research)
42%42%
leave due to poor usability

[1] Baymard Institute · [2] Bain & Company · [3] Forrester Research

Where It Breaks

01

Owned in parts, broken as a system

Product owns the product. Marketing owns the funnel. Growth owns activation. Nobody owns the journey. Every handoff is a gap. Gaps compound.

02

Built for the review, not the user

Most flows are designed to pass internal sign-off. The person who just arrived and has no idea what comes next wasn't in that meeting.

03

The fix is structural, not cosmetic

Forty percent abandonment isn't a copy problem. The decision path has a gap that requires redesigning the structure, not adjusting the surface.

The Difference

Designed, not assumed.

Without flow-three

  • —Journeys optimised in parts
  • —Friction compounds invisibly
  • —Polished but structurally broken
  • —Improvements don't stack
  • —Everyone owns a part, no one owns the journey
  • —Senior strategy, junior execution

With flow-three

  • ✓Coherent systems designed end-to-end
  • ✓Friction identified and removed
  • ✓Every decision earns the next one
  • ✓Measurable gains that compound
  • ✓Clear accountability, defined outcomes
  • ✓Senior thinking, senior delivery

Solution

Three layers. One system.

Revenue is rarely lost in one place. We redesign across product, funnel, and journey — because fixing one layer in isolation optimises it at the cost of another.

Discuss your challenge
Layer 01 · Product

What users see, trust, and decide from

Whether the product communicates clearly, builds confidence at the right moment, and earns each next step. We know what earns that trust and what quietly costs it — not from a framework, but from watching how users actually move through products.

  • —Information clarity & hierarchy
  • —Trust signals & confidence
  • —Interaction logic & usability
  • —Compliance-aware UX patterns
Layer 02 · Funnel

Where they slow down, hesitate, and stop

We find the specific friction points: the question that can't be answered, the step that asks for too much, the handoff that drops the thread. Then we rebuild the decision path so completion is the easier option.

  • —Drop-off & friction mapping
  • —Decision architecture redesign
  • —Time-to-decision reduction
  • —Measured pre/post benchmarks
Layer 03 · Journey

The full path, before and after

How users arrive, what they experience, and what comes after they complete. One coherent system, not a sequence of moments each optimised in isolation and disconnected at the joins.

  • —Cross-channel campaign alignment
  • —Pre/post-conversion experience
  • —Retention & expansion design
  • —Acquisition-activation coherence

Services

Start where the problem is.

Each engagement is scoped around a specific problem, timeline, and outcome. You know what you’re paying for.

Outcome-aligned fees

For select engagements, we reduce upfront fees and tie part of our fee to your results.

Request a proposal
Diagnostic

Flow Clarity

When numbers are off and the cause isn't clear. A structured diagnostic that maps exactly where the journey breaks, before committing to any redesign.

Deliverables

  • ✓Drop-off & friction mapping
  • ✓Decision-flow analysis (UX)
  • ✓Workshop with rapid prototyping
  • ✓Prioritised action & impact plan
Enquire
Execution

Flow Fix

When the friction point is identified and needs to be resolved. We redesign the specific structural issue, precisely, with before/after benchmarks.

Deliverables

  • ✓Redesign of friction points
  • ✓Interaction & decision logic
  • ✓Implementation-ready designs
  • ✓Measured pre/post benchmarks
Enquire
Transformation

Flow Rebuild

When surface fixes have stopped working because the architecture itself is the problem. End-to-end redesign of the decision path, built to scale.

Deliverables

  • ✓Journey & decision architecture
  • ✓Structure simplification & logic
  • ✓Scalable design system
  • ✓Rollout roadmap
Enquire
Ongoing

Flow Partnership

When performance is a continuous priority, not a project. Senior design embedded in your team, in the decisions, tracking what compounds.

Includes

  • ✓Direct product involvement
  • ✓Continuous flow audits
  • ✓Cross-team alignment
  • ✓Performance tracking
Discuss requirements

Approach

How we work. Why it compounds.

We work inside platforms where the stakes are high and every fix builds on the last. These are the things we don’t compromise on.

Structure over surface

Not the button. The logic behind it. Where users move, pause, and decide is where performance lives.

Outcomes over outputs

We agree on what success looks like before we start. Then we measure whether we got there. No ambiguity on either end.

Senior expertise. Direct delivery.

The person who diagnoses your problem is the one who solves it. No senior pitch, junior delivery.

AI accelerates. Humans decide.

We built our own diagnosis platform. Every engagement starts with an AI-assisted flow audit — real screenshots in, prioritised friction map out, in under 30 minutes. Currently in private use only.

Embedded, not adjacent

Inside daily decisions alongside product, growth, engineering. Not at the end of a briefing chain.

"Kamil and his team diagnosed where our journeys were breaking and redesigned them end-to-end. The travel insurance work was the clearest example — real conversion improvements across both Singapore and Hong Kong. They embed fast, move at product speed, and the impact sticks."
Rohith MurthyRohith MurthyGroup CEO, MoneyHero Group
"They redesigned our platform with a genuine focus on conversion. Embedded across the whole organisation: product, growth, engineering, analytics. Each fix compounded the last. That cumulative impact is what you're hiring for."
Jaga ThangaiahJaga ThangaiahGroup Head of Product, MoneyHero Group
"Kamil and his team diagnosed where our journeys were breaking and redesigned them end-to-end. The travel insurance work was the clearest example — real conversion improvements across both Singapore and Hong Kong. They embed fast, move at product speed, and the impact sticks."
Rohith MurthyRohith MurthyGroup CEO, MoneyHero Group
"They redesigned our platform with a genuine focus on conversion. Embedded across the whole organisation: product, growth, engineering, analytics. Each fix compounded the last. That cumulative impact is what you're hiring for."
Jaga ThangaiahJaga ThangaiahGroup Head of Product, MoneyHero Group

Leadership Team

Experience that ships. Leadership that compounds.

KG
Kamil Gottwald

Kamil Gottwald

Founder & Managing Director

Twenty years designing, fixing, and scaling digital products across fintech, insurance, and regulated platforms in APAC and beyond...

AVC
Alexa Von Charles

Alexa Von Charles

Head of Delivery

Eleven years leading design across Meta, PropertyGuru, and OnlinePajak. She has redesigned journeys that drove measurable revenue ...

CY
Chin-Han Yu

Chin-Han Yu

Head of Growth

Fifteen years in growth and strategy. Co-founder of UNCANNY, Singapore's Specialist Agency of the Year 2025. Former APAC Growth Le...

Work

Regulated industries. Real outcomes.

Where every drop-off has a direct cost. Every case here improved the number that mattered.

Discuss your project
MoneyHero Group credit card comparison — performance design across Singapore, Hong Kong, Taiwan and the Philippines
Case Studies•3 min

MoneyHero Group: Credit Card Journeys

Four markets, one decision architecture. How we rebuilt the credit card experience from campaign entry to application handoff across Singapore, Hong Kong, Taiwan, and the Philippines.

SingSaver travel insurance — performance design improving conversion across Singapore and Hong Kong
Case Studies•2 min

SingSaver & MoneyHero: Travel Insurance

75% reduction in time to buy. How we rebuilt the comparison and checkout experience across Singapore and Hong Kong as travel demand recovered.

OnlinePajak activation redesign: performance design for a 3-million-user B2B tax platform in Indonesia
Case Studies•3 min

OnlinePajak: Rebuilding Activation for 3 Million Users

290% uplift in onboarding-to-first-filing conversion. How flow-three rebuilt OnlinePajak's activation and closed the signup-to-first-transaction gap.

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Let's Talk

Where are your users getting stuck?

First call is always diagnostic. You describe where the numbers feel wrong — most of the time, we can identify the cause before we’ve seen the product.

Not a pitch. A look at the problem together.

Or

We typically respond within 1 business day.