# Experience Design Guide
source: https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/index.md

### What is an Experience Design Guide? {#what-is-an-experience-design-guide}

The Cross-Border Services Experience Design Guide was created to provide you, our customer, with the best user experience recommendations and thorough resources for implementation.

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You will find white-label Figma flows to improve the speed, quality, and cost of implementation and scale. Our goal is to make it easier than ever to go to market efficiently and effectively and achieve adoption and long-term use of Cross-Border Services.

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This guide is intended for product owners, designers, and developers launching Cross-Border Services in their own environment.
![Overview](https://static.developer.mastercard.com/content/cross-border-services/uploads/what-is-edge.png)

### Person-to-person transfers {#person-to-person-transfers}

Showcases Cross-Border Services person-to-person (P2P) payments that enable people to send money how, when and where they want.

[View designs](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/person-to-person-transfers/index.md)

### Business-to-person transfers {#business-to-person-transfers}

Showcases Cross-Border Services business-to-person (B2P) payments that enable businesses to disburse funds to employees, gig workers, content creators and customers.

[View designs](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/index.md)

### The product {#the-product}

Cross-Border Services are powering the next generation of payments between people and businesses across the globe by delivering the ability to pay and get paid with choice, transparency, and flexibility.

With global reach and scale, Cross-Border Services works with one single secure connection to enable customers to offer a more efficient way for their customers to make cross-border payments. It allows money to be moved to a wide variety of endpoints, including bank account, digital wallet, card, and cash pick-up locations, leveraging Mastercard's trusted card and non-card networks.  

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### Key customer segments {#key-customer-segments}

Cross-Border Services enable our customers to build flexible solutions that support many different payment types.  

**Let us take a closer look at our key customer segments:**
![Banks](https://static.developer.mastercard.com/content/cross-border-services/uploads/banks.svg)

### Banks {#banks}

This segment includes: **Traditional banks** , banks with a digital-only service model, banks with a hybrid service model, and banks with an MTO model to offer **remittances, P2P, disbursements, fast refunds** , and **credit card bill payment**.
![Digital partners](https://static.developer.mastercard.com/content/cross-border-services/uploads/digital-partners.svg)

### Digital partners {#digital-partners}

This segment includes: **eCommerce marketplaces** , development aid, TPP-sponsored corporates to offer **on-demand wage payouts (gig economy), payouts, fast refunds, remittances**, P2P, and wallet top-up or cash out (Me2Me).
![Financial Institutions](https://static.developer.mastercard.com/content/cross-border-services/uploads/financial-institutions.svg)

### Financial Institutions {#financial-institutions}

This segment includes: **Agent-based remittance service providers** , digital remittance service providers, telecom service providers, and post offices to offer **remittances, P2P, prepaid top-up**, fast refunds, and credit card bill payment.

Next: [Person-to-person transfers](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/person-to-person-transfers/index.md)