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O valor estratégico do UX em produtos regulados: aprendizados da minha jornada com o Pix

The strategic value of UX in regulated products: lessons from my journey with Pix
 
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Written by Gabriela Tvardowski Altmann 

July 24, 2025

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          My journey with Pix began back in 2020, even before its official launch. I helped build the product at Sicredi in a scenario full of uncertainties, we didn’t yet know how the launch would unfold, how other players in the market would position themselves, or what kind of experience the end user would expect. It was a big unknown. From the initial adaptation to Central Bank regulations to the design of experiences that already needed to be rooted in trust, security and clarity, everything was new and challenging.

Since then, it’s been more than five years working with Pix, and I’m truly proud to have contributed and actively participated in the consolidation of one of the most transformative systems in the Brazilian financial market, and I would say, in the world.

          Over the last three and a half years, I’ve been fully dedicated to Pix at Recargapay. It was an intense period of continuous evolution, where I was able to deepen my understanding of the product, take part in strategic decisions and, most importantly, collaborate closely with an incredible cross-functional team. Together, we delivered value across different fronts, always aiming to balance user needs, business priorities and regulatory requirements.

          Throughout this time, I learned that working with a regulated product requires much more than technical knowledge or design sensitivity. It requires strategic presence. The context changes constantly: new rules, new guidelines, new use cases. And in this environment, UX can’t just execute interfaces, it needs to act as a translator, connector and visionary.

          Working with Pix taught me that the best design decision is not always the most beautiful or the fastest to implement. It’s the one that aligns with the company’s long-term vision and the real value we want to generate for people. This only happens when design gets close to the business, understands the product deeply and takes part in decisions from the start.

          I’ve learned to look at regulations not as limitations, but as part of the problem to be solved. Complexity becomes input. Rules become criteria. And, above all, collaboration between teams becomes the key differentiator.

          After so many years working with Pix, I’ve gained the maturity to see design more and more as a strategic element, one that directly impacts growth, monetization and how the product is perceived in the market. More than delivering good experiences, it’s about building viable, ethical and relevant solutions in complex environments.

 

          Today, I take this experience with me into new professional cycles, always grounded in the same principle: design is about decisions. And well-informed decisions are born when we listen to users, read the context with depth and data, and align purpose with execution.

          Pix will always be a fundamental part of my professional journey. These were years of deep learning, real challenges and significant growth. I hold a lot of affection for this product and everything it represents. And no matter where my path leads from here, I know this experience will remain a strong reference in my toolkit, and a topic I’ll always speak about with confidence and passion.

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