Awarded Asia Pacific’s top innovative and most influential independent experience agency has joined Global Human Experience Studio WONGDOODY!

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.






Driving over 2 million Member Experiences — RACV

Establishing the world’s first 'Legal Operating System' — Legal Gateway

Improve productivity via considered user experience — ViewPro

O'Brien Group Arena

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 leaders in experience design.

We put people ahead of everything else, meaning our solutions transform the way customers interact with businesses in a rapidly changing digital world.

As on of Australia’s largest independent experience design agency, we select the right technology to deliver the right digital outcome to surprise and delight the people using them. This enables our partners to exceed their customers’ needs and grow their connection with them.

We have achieved sustained success in a world where technology, expectations and customer behaviour is constantly evolving. Our solutions constantly adapt to meet new trends and ensure our products remain vital.

We have won numerous accolades and awards on behalf of our clients since 2005 as acknowledgement of the consistent results we deliver.

Diverse Experise

Our 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.

Carter is full service experience design agency that knows organisations are subject to all sorts of variables. We not only experienced, but big enough to respond to changing requirements by re-deploying resources as required.

We are an inclusive agency. While all based in Australia, we speak 19 languages and are a global team hailing from countries including Japan, China, Indonesia, Thailand, Iraq, New Zealand, India, Russia, France, Germany, United Kingdom and Ireland. This expanse of experience allows for creative thinking and a true user-first approach, allowing us to solve complex problems and deliver simple real-life solutions daily.

Principal, James Noble, hand-crafted the fitout and 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.

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

Want to get started?

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