• Yeoh Wan Qing

Campaign Insights | Where is my BB (Loh)? Behind the UX of Google Pay’s Huat Pals

Updated: Mar 24

The Huat Pals frenzy has been completely unprecedented - we’ve seen countless memes, desperate pleas from friends over our Instagram stories and even listings on Carousell. If you and your friends have been on the hunt for Google Pay’s BB Loh for the past month, you’ve all been played. There’s only one winner from the craze, and that’s Google Pay. They have single-handedly pulled off one of the most extensive user acquisition campaigns our country has ever seen. So how did we all end up on this wild goose chase for BB Loh?

In this article, find out how Google designed the User Experience for Huat Pals for the sole purpose of gaining virality.

“Wa, where can I get A FREAKING BB Loh?”

The frustration is real. BB Loh has been one of the trending topics on social media in the last month. Who is this elusive BB Loh and why is everyone looking for him/her?

I remember back then when Google Pay (G Pay) started taking off in Singapore, Google was extremely generous with their monetary incentives through different cashback schemes to acquire more users. We saw more excitement this Chinese New Year as Google saw a good opportunity to shower us with even more wealth (but really, there’s ain’t no such thing as a free lunch - we’ll get to that below).

The sight of this still brings me pain

Introducing ‘Huat Pals’ – a social game built into G Pay that you can win virtual angpows ranging from S$8.88 to S$88.88. New and existing G Pay users can play 'Huat pals' with friends and family for a limited time between 4 to 26 February 2021. The goal of the game was simple: collect all five characters called Huat pals (Lenny, RaRa, Ah Hua, Neo and BB Loh), and the user earns a guaranteed angpao worth anywhere between S$8.88 to S$88.88.

And that was basically how the inhabitants on the Little Red Dot have been on a wild goose chase to find Huat pals ever since. From a UX standpoint, this examination of G Pay’s Huat Pals draws on some fascinating insights on human behaviour and smart marketing tactics.

How did Huat Pals become such a huge trend in that short span of time? Why is it important for Google to be so aggressive in its user acquisition?

Let’s do a deep dive into Google’s marketing campaign with Huat Pals and how it was designed to be the talk of the town.

Case Study: #StampwaliDiwali - G Pay’s successful venture in India

A familiar sight for Huat Pal fanatics

Google first made its foray into digital payments in 2015 as Android Pay. One of the most successful case studies for Google Pay is its widespread adoption in India. Google Tez ("Tez" is the Hindi word for "Fast”) was officially launched in India in September 2017. Within 37 days of launch, the app had over 8.5 million installations. A large part of G Pay’s success in India can be attributed to Google’s extensive efforts of working together with key local ecosystem players and focusing primarily on small businesses. In 2017, small businesses formed the bulk of G Pay’s immediate customers as existing payment solutions needed users to go through the trouble of verifying - something which G Pay bypassed. The product was also immediately interoperable with other applications, making it a seamless integration into the ecosystem.

During Deepavali in 2019, G Pay India launched a campaign that quickly gained traction across the nation. The gameplay works like this: Upon collection of all 5 Diwali-themed stamps, users win a guaranteed 251 Indian rupees (About S$4.50) and stand a chance to win 1 lakh Indian rupee (About S$1815). Users stand a chance to win a stamp by transacting on the platform. With such a large pot of money for grabs, the game naturally generated a lot of word of mouth and sent their users scrambling high and low to collect stamps, especially for the rare Rangoli and Flower stamps. This gave users a chance to rally together with peers and family who were on the hunt for stamps that were more scarce.

Does that ring a bell?

The design and success of #StampwaliDiwali seemed to have inspired our G Pay Singapore’s Huat Pals in Singapore. What Google has demonstrated beyond its mammoth financial reserves to undertake such projects, is its creativity to understand and maneuver nuances in cultural differences. Even though Google was a company based in the US, they managed to localise the campaigns successfully.

  • In India, the campaign was launched during Indians’ Festival of Lights while in Singapore, it was launched during Chinese New Year.

  • G Pay India used popular Diwali motifs as the main visuals for the stamps while G Pay Singapore similarly characterised their Lunar New Year symbols that seemed tailored for Singapore audiences.

  • The winning prize money for G Pay India’s campaign was Rs. 251, where the additional 1 after a round figure was considered auspicious in Hindu culture, while the angpows in Singapore were given in permutations of 8, an auspicious number in the local context of the occasion.

The successes of gamification have been widely documented in psychology journals. The goal of embarking on such campaigns is to build product loyalty and increase their user base.

Researchers have found that gamification can incentivize and motivate people, as well as enhance their perception and engagement. #StampwaliDiwali started in 2019. It’s not clear why Google decided to run this campaign since G Pay India had already established its clear dominance in the market. But my humble guess is that Google wanted to break into other markets. With #StampwaliDiwali, G Pay started trending on various social media channels throughout India - reaching more users through their extended network. The publicity that #StampwaliDiwali drummed up was the kind of publicity that firms could only ever dream of. It was a move that augmented their position as the market leader.

Understanding G Pay’s UX design - a payment experience designed around relationships

Strangely personable, but it's all very much calculated on G Pay's end

When people in Singapore open the G Pay app on their Android or iOS device, they’re met by some familiar sights — from the distinctive outlines of the Merlion and the Marina Bay Sands building to the island’s much-loved otters. It’s not just a pretty design. The main objective is part of a bigger effort to design Google Pay with local needs in mind.

The first time that I was introduced to G Pay was in November 2020. Wing Lum from our team was bullying strongly encouraging us to download G Pay so that she can earn the referral bonus. I vaguely recall in the recesses of my mind that Google was moving into the field of fintech but I personally never felt compelled to ‘convert’ - I was comfortable using PayLah! and didn’t see the need to download another Peer-to-Peer payment solution. But I downloaded it at the end of the day because I wanted Wing Lum to earn that referral bonus and of course, I earned that $5 bonus for being a new user. (DO YOU LOVE ME YET WING LUM??) What my story (and possibly yours too) does is highlight the potential of referral marketing.

The Huat Pals campaign was launched shortly hereafter Google relaunched Android Pay as G Pay in September 2020. Hence, it’s fair to assume that the goal of the campaign would be market domination and growing their user base.

But unlike India, Singapore had the presence of other large looming fintech giants.

Classic David and Goliath (or is it?)

DBS PayLah! ran successful campaigns on school campuses and hawker patrons with their cashback rewards, and PayNow was a popular payment solution with its successful integration with the big banks in Singapore. Even Grab was trying to wrestle a slice of the fintech pie, launching GrabPay. Singapore, unlike India, was already familiar with cashless solutions.

To acquire more users onto their platform, Google had to overcome fierce competition. Fortunately, they have the resources and the knowledge of exactly which sweet spot to hit and drive maximum conversion. It’s an open secret that nothing excites Singapore more than free money. And that was exactly what Google did - incentivising Singaporeans to use their app with attractive and irresistible cashbacks.

This is the true game-changer for Google Pay - for limited periods, they offered $8 cashback for every referral made. The person who downloaded the app would get an incentive of $5 upon their first transaction above $10, so it was really a win-win situation for both parties. Users could also win rebates in the form of scratch cards up to thrice a week when they make payments of S$10 and above to different payees. The design of Google Pay's user acquisition strategy made it clear that Google was employing aggressive referral marketing through the promise of rebates.

Yes that's you and me

Referral marketing is a marketing tactic that relies on recommendations and word of mouth to grow a business's customer base through the networks of its existing customers. At its core, referral marketing uses the business’ biggest fans to spread the word, turning current customers into brand advocates. We can see this in Huat Pals’ game design. Google has created many experiences for us to interact and reach out to our friends and family.

Here are the ways that you can earn Huat Pals

1. Making eligible transactions above $1 to unique merchants daily on Google Pay. (3 times)

Types of transactions include:

  1. Using Tap & Pay in-store (for NFC-enabled Android devices)

  2. Using Scan and pay (via PayNow SGQR or via a UEN)

  3. Purchasing movie tickets from Shaw Theatres or Golden Village on the app

  4. Ordering food on the app

2. Sending at least $1 to different friends who are on Google Pay (3 times)

3. Referring new friends to Google Pay (3 times)

4. Referring new friends to Google Pay (3 times)

5. Gifting or receiving ‘Huat pals’ to/from friends (8 times)

6. Receiving one from the Gift Basket - we get 1 gift basket when we receive Ah Huat.

When G Pay gained greater traction, the difficulty increased (sneaky). The minimum transfer quantum increased and we had to transfer to “unique” friends. They forced us to push beyond the daily comfort exchanging Huat Pals with our close friends, only acknowledging its transfer to unique friends as eligible to earn one Huat Pal.

Spends an hour helping my mom set up her account. Gets an Ah Huat.

There were a lot of random requests floating around the net, asking random strangers to do mutual swaps of Huat Pals. A lot of my friends took to social media to do an open call (once again free publicity my friends - Google be making you do their work for them).

Even the design of how the rebates were presented and earning of Huat pals made use of User Interface, User Experience (UIUX) tactics that pushed the users to almost an obsession. The idea of getting virtual scratchcards and having you scratch them to unveil your earnings was synonymous with lottery tickets, creating a feeling of instant gratification that makes the user less in control of their impulses in an attempt to relive the dopamine highs.

In the UX design of the app, you will notice the distinct focus on friends and businesses you transact with most frequently. You can pay, see past transactions and find offers and loyalty info — all organized around conversations. The interface design for each individual interaction mirrors that of chat windows we commonly see on messaging platforms. The intricate details change the experience to center around the human connections and focus on the relationships we have with our family and friends.

The mechanisms that Google has designed for this game push you to reach out to more people in your network to onboard them onto the platform. I found myself scrolling through my entire list of contacts to think of people whom I can send my Huat pals to so as to get a higher chance of my BB Loh. What my story highlights is the power of that underlying philosophy of Google Pay - the “payment experience designed around relationships” as declared by their Vice President. The virality of Google Pay underscored the power of referral marketing.

Well played Google - you’ve truly built a payment experience around relationships.

How does this work?

What Google has done in both the Huat Pals and #StampwaliDiwali campaigns are to gamify payment experiences for users. In broad terms, gamification is defined as the application of typical elements of game playing (e.g. point scoring, competition with others, rules of play) to other areas of activity. It is typically employed as an online marketing technique to encourage engagement with a product or service.

"I transferred you $10 and I got 3 Lennys....."

The design purpose of Huat Pals is to encourage users to take actions that eventually build towards long-term habits that are hard to change. By getting to use the app almost daily over the course of a month, you would have subconsciously built the habit of either replacing G Pay over your usual payment apps or pausing to consider using the application over other payment apps. That is the holy grail for digital products - a product’s seamless integration into a customer’s habitual behaviour. Being a “must-have” is one thing. Becoming part of your customer’s unconscious behaviour is altogether different — it’s the dream that every product manager dreams of.

The underlying reason for why gamification models work can be visualised with the Hook Model. The creator, Nir Eryal, argues that we are able to explain how businesses can adopt a four-phase process to create products or services used habitually by customers. The goal is to result in voluntary, high-frequency engagement. At its core, it is about creating a customer habit.

Aha, you've all been played by G Pay!


"Wow $88.88! I want!"

Google has introduced the Trigger - in this case, the introduction of Huat Pals. The rules of the game are clear - find the 5 Huat pals and stand a chance to win up to $88.88. Our beloved game masters have also made other tweaks to the game to capture and increase our interest - for instance, Lenny has seen a few upgrades depending on the number of Lennys you have collected (I have had 81 Lennys and he was called 6enn). In the last week of hunting for our Huat Pals, G Pay also introduced riddles to encourage jaded users to increase their chances of finding the elusive BB Loh.



We take action by sending our friends fellow Huat Pals and transferring money through the app. We strive towards collecting the full suite of the Huat Pals because we are anticipating the possible reward of $88.88.

Variable Reward

"Wow what a great voucher! Eh wait got minimum spending."

The game design created 2 types of rewards - there are the instant rewards (for instance, us receiving Huat pals and scratch cards) and the delayed ones (us not getting BB Loh and the chance to possibly win $88.88). Do you know why Google gives scratch cards instead of an assured cashback? Every time we receive a reward, our brain releases a good dose of the happy hormone –  dopamine. The more dopamine there is, the greater the extent of addiction. Our brains crave dopamine and this increases user affinity to the application. Google showers us with a mix of both instant and delayed gratification. Instant rewards help you feel good, and the delayed rewards give you a reason to come back consistently. Imagine if BB Loh was really that easy to get - I’m pretty sure we’ll all stop playing after 5 days max. But because of this “Eh next one, confirm get BB Loh already!”, we continue to engage with the game.


(tfw when you get your 50th Lenny) *crying*

Investments are about the anticipation of longer-term rewards, not immediate gratification. As users, Google has designed for us to invest in all the details of the previous transactions we have made in this short 1 month. We invested our time over this 1 month with the hopes of winning that grand prize of $88.88. We feel that there is a high probability of collecting the full suite because so many of our friends have achieved this unthinkable miracle. This spurs the remaining of us BB Loh-less people to continue holding onto the (futile) hope.

The key stage that Google is banking on is the investment stage, where users will choose G Pay as their go-to payment application. Google Pay’s idea in this campaign is to dominate the market segment by gaining more users, engaging the users to make every online transaction through Google Pay. This way they will dominate the market segment with a large user base and that will help them establish B2B partnerships with online payment companies, banks and any other financial-based institutions. Their short-term goal is to acquire and engage users that will speed up their long-term success.

Conclusion & Recommendations

To wriggle inside every joke - that’s the north star of every marketing campaign. You want to be on the top of mind of your customer’s minds. And it’s my honest opinion that Google has achieved what it set out to do with this Huat Pals campaign. Google Pay had reserved its best arsenal for the last. After collecting four Huat Pals, getting hold of the fifth seemed nearly impossible. Half of Singapore went furor over the inability to collect the last Huat Pal - and there was so much free publicity going around for Google. It was the talk at every friends’ gathering, family dinners - it occupied our social media feeds and I took a few hours to just pen this article simply because I found the case to be so fascinating (helping Google with their SEO but hey, I’m in fact hoping that this helps Hatch’s SEO more).

Ending notes

What am I sposed to do with all my Lennys...

The author herself spent a bulk of the time pining for her BB Loh. If this article ever wriggles its way into Google’s Product/Marketing teams, she would like to recommend that people who have collected 100 Lennys be allowed to exchange for 1 BB Loh. It’s really no easy feat to accumulate Lennys - it’s a true demonstration of commitment and dedication to reach that many friends.

At some point, she tried to convince herself that Lennys has a much bigger mission in life and would one day surpass BB Loh. Google should reward their loyal users but hey, this is merely a gear in their marketing ploy right? Making users think that there MIGHT be a point in pursuing this game other than this being Google’s attempt to acquire users.

Lenny had no choice but to glow up because of the online hate :( | Credit: TSL

But what does she know?

At the end of day, she was just another user (or data-point for Google) in this wildly successful game.

Hatch is an impact-focused training and job placement enterprise. We believe that learning and job fulfilment should be accessible to all, and that's why we write articles like this.

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