+61 3 9412 7000     hello@carterdigital.com.au


One of Asia Pacific’s top innovative and most influential user experience agencies. People first. Design later.

Payments with Visa Paywave Australia wide

"Everything just works. It’s a fundamentally better way to do things."


Cuscal, a leading provider of transactional banking services required dynamic user experience and interface design of a new mobile payment application for it’s range of products and services for its +90 of Australia's financial institutions.


Creating a fully customisable application for the majority of Australia’s credit unions, mutual banks, non-bank lenders, NAB and Bank of Queensland.  

Mobile users are ever increasing and demand access to core aspect of their banking on-the-go. Vital to the success was a flexible, agile application environment; which benefits from speed and includes a seamless user experience, that can be multi branded, integration capabilities and ability to adapt and evolve based on Apple, Android and other operating system release programs, as well as catering for future devices. 


A new mobile service platform. Created from the ground up that enables delivery of payments and related mobile banking services to mobile devices on behalf of clients. An easily customisble platform to unsure intergration across a multitude of platforms and services in both Credit Unions and Banks across Australia.

Unlike other solutions, Cuscal’s application isn’t limited to particular handsets by prior arrangement with the manufacturer. Users are free to bring any handset which meets the requirements and the service will work for them.

There’s no stickers, no waiting for your bank to certify your handset. It just works.



  • Services Design Consultation
  • Customer Experience (CX)
  • User Experience (UX)
  • Information Architecture (IA)
  • User Interface Design
  • Responsive Design
  • Digital Style Guide
  • Usability Testing



Australia's First NFC Paywave
Cuscal NFC Visa Paywave
NFC Paywave iOS and Android
Cuscal NFC Pay, Check, Transfer

Who are Carter?

Principals, James Noble & Paul Beardsell, are regarded as industry leaders in user experience solutions. At Carter we design beautiful user experiences to enhance digital products and service offerings. We use visual design cues to tell stories. Our approach derives an understanding of your business, its identity, and creative strategy.

Digital experiences are only as good as the technology driving them. Carter innovate with ever changing internet ready devices, pushing digital innovation to further enhance online user experiences.

At Carter we understand client goals, which enables us to identify the right creative strategy and direction that engages your target audience with your product or service offering. Be it online strategy, web site design or application development; we come well-dressed for all digital storytelling.

A carbon neutral studio

Carter's fine folk sit at recycled timber desks, type on keyboards powered by rechargeable batteries, walk on carpet made from recycled tyres and plastic bags. They breathe air created by an in-office garden and drink tea heated by an environmentally-friendly kettle. These ‘Digital HTTPsters’ hold meetings within a den of recycled paper accordion walls that weave throughout the studio.

When it’s time to leave, the crew grab their bags from upcycled lockers that once lived at a nearby AFL Club. They flick the switch on low-energy lights powered by 100% carbon-offset energy. Journeying home, they walk, ride and catch public transport.

Principal, James Noble, hand-crafted the furniture from recycled timber, layered and sealed using biodegradable glue. Now that’s commitment. 

UX Melbourne website design and development
Digital strategies and UX creative solutions.
Award winning UX agency in Melbourne
Think of creative user experience as ergonomics for your eyeballs.

Our Services

Speaking 19 languages and hailing from 11 countries, we produce the highest possible user experience for your business and target audience. Our creative thinking and innovation enables us to solve complex problems and provide effective global digital solutions.


- Your Vision -

It all starts with a discovery session where we will chat about your vision, requirements and expectations for your digital presence.

  • User experience (UX) recommendations
  • Technical and Information architecture (IA)
  • Digital marketing strategy
  • Content strategy
  • Customer experience 
  • Competitor research and analysis


- It's Alive -

Translating your creative ideas into workable concepts, crafting the user experience, building strong, lasting solutions.

  • Creative direction
  • Information architecture
  • Digital strategy
  • Service Design
  • Wireframing & user experience
  • Concept design


- Lift Off -

We architect and develop, optimise the experience, test and launch. We then analyse, act on results and offer ongoing support.

  • eCommerce development
  • Third party API intergration
  • Search engine optimisation
  • Data & Analytics
  • Social media integration
  • 1 on 1 Training

Want to get started?

Have an idea, what are you waiting for?

Get started with our project planner.

Enter your email address to download our Project Planner