Core Banking Mobile App: Move Money (Canada)
Summary
#UX, #UI, #UserFlow,
One of many native mobile (iOS/Android) ‘core banking’ features / products I’ve worked on. The following shows some excerpt documentation example flows/UI, towards the latter stages of design.
Team
Designer UX/UI (myself)
PO
Digital Analyst
Dev team: multi-pod
My role in this project
(UX – 60% / UI 40%)
Assessing available user research, in-depth understanding of scenarios and user considerations, User Flows, Interactions, screen IA, basic prototyping for demos and test + UI design
…all changes big or small impact anywhere between hundreds of thousands, to millions of users on a daily basis.
Core banking: Payments & Transfers features
The Design
Move Money between accounts / to a company (Canada)
Context
At this time, across the business their were many country-specific banking app versions, differing in functionality, local specificities, design language and platform differences that had developed over time.
This was a Canada specific project, part of a larger programme to gradually bring each country in-line with a global design language and system – in lieu of eventually onboarding each country onto a consistent technical platform.
Flow & UI
The focus of this part of the design was mainly about flow and interaction requirements and considerations for each payment or transfer, taking into account several nuances and needs depending on the timing and currency of sending and/or receiving accounts. For example, progressive disclosure was utilised to ‘stage’ each user decision before showing further related fields/information.
The Impact
How did this work make a difference?
Scale, Consistency & User Expectations
Prior to these changes, the Canada app (like many countries) had largely been left to itself to evolve over time. The lack of consistency in both UX, IA, UI and capabilities was a big issue for both the brand, experience and customer expectations. Each rollout and change tackled was a step or stride in the right direction.
The global design language and design system were starting to be revamped at this time and needed a gradual but purposeful design & implementation rollout to customers. Every user story / change brought up challenges, local nuances and fresh issues to tackle before feeding back any tweaks/changes needed to the overall design system.
Payments & transfers are the heart of any core banking features, so in terms of impact of design changes – it doesn’t get much bigger for a bank than this; all changes big or small, impacts the experience of anywhere from hundreds of thousands, to millions of users on a daily basis.