Issues with the old logo: 1. The yellow color lacks sufficient contrast. 2. The overlay on the cards complic the application of the logo in a single color.

Branding challenges: There are no unique elements distinguishing Paynada from competitors, and the brand colors are too similar to of other brands.

Proposed solutions: 1 Redesign the logo to a simplified version featuring two cards, removing the overlay and minimizing color use. 2. Streamline the brand colors. 3. Introduce simplified line illustrations for occasional use. 4. Incorporate bold text as a background when necessary. 5. Retain rounded corners design element from the previous brand identity.