What could be the future of online banking? Reinventing the banking experience for millennials Inspiring UX design concept by UXDesignAgency.com
Are you happy with your digital banking?
We are familiar with key drivers of digital banking revolution Personalization Transparency Self-service Mobile first Simplicity Aesthetic Holistic
But is that the whole point?
No.
It’s about people!
But not only their pains
And not only their needs
It’s about users passion.
What is an ideal digital banking for you?
Make it USEFUL
allows making the most necessary things fast and easy
Let it be CLEAR
attractive appearance and easy to use
It must take CARE
supports and advises the user in his language
Let’s deliver delightful experience
Helps without authorization
Helps without authorization 1. Sign in 2. Contacts 3. New user form 4. Branches & ATMs locator 5. Bank products promotion 6. Currency converter 7. News feed
We can distribute traffic between branches using markers: “time until closing” and “waiting in line
The nearest ATM or branch is indicated on the map Call in case of a card loss or
Instant search of nearby objects If a user can’t login, he knows where to call Promotion of bank services A call to become a customer
Latest news and messages from bank
A simple way to contact the bank
Currency rates’ dynamics and current rates with an integrated calculator
Financial status on a first page
Financial status on a first page 1. Balance statement 2. Monthly income 3. Monthly expenses 4. Monthly and daily available 5. Category budgets 6. Latest transaction history 7. Quick Access menu for every transaction
Switch to accounts and cards mode to see balance of all connected accounts
Use autocomplete search to find an exact transaction
You can send transaction history to print or save it in pdf or csv format
Easily sort transactions list to see only incoming or outgoing transactions
Actual information on last transactions upon the login Convenient filter simplifies a search of necessary transaction
Clear and visible balance statement
The menu is clear to understand because of small amount of elements and simple icons
Instant information on expenses, income and budget for a choosen period
Main information on each transaction Fast slider-menu for each transaction allow to find similar transactions or make back payment in one-click Slightly slide side-bar to the right to see transaction list in advanced mode Access to a more detailed information on transaction
All expenses at a glance with clear understanding of safe-tospend sum The amount that could be spent this month (bill payments already subtracted) The average amount that could be spent any day this month (bill payments already subtracted). If you saved previous days budget daily available will increase
Several accounts & cards
Several accounts and cards 1. Multi-account and Multi-cards support 2. Quick payment menu for every account 3. Sorting throw category 4. Easy new account ordering 5. Access to saving goals 6. Advanced budget management 7. DoD and MoM expenses statistics
Quick access and switch between accounts and cards (including accounts and cards for legal persons)
Wonder your overall accounts statement? Simply choose All Accounts to see overall balance, budget and transaction history
You don’t need to spend time in branch, because you are able to open new account from your online bank
System will automatically choose a selected account when creating a payment
Send your payment data to friends or service providers
Rename your account, set notifications, transfers and ATM cash out limits
Push to see accounts list and a fast menu
Selecting a certain category, only the transactions of that category are shown in a main window
Access to a detailed DoD and MoM expenses statement, budget restrictions and savings goals setting
Payments in three clicks
Payments in three clicks 1. Instant access to popular payments 2. Popular payments automatically defined 3. Predefined default bills 4. Private advises from bank assistant 5. Access to video advisory 6. Regular payment reminder 7. Transfer fee’s
You can add any transaction to the favorite list manually or it will be added automatically if the payment was repeated several times
Instant access to popular payments allows making most common payments in 3 clicks
Private advisory also includes notification and promotion systems to inform and engage user
Autocomplete makes a maximum quick search
Customer-centric personal touch from private advisory will provide personalized assistance in payments making or setting financial plans and goals through chatting and face-to-face remote video
A clear to a user structure and names of the categories
The system remembers regular payments and reminds, if user forgot to make a payment
Information about fee for different payments and transfers
Money transfer in 30 seconds
Money transfer in 30 seconds 1. Card-to-card transfers 2. Domestics and international transfers 3. Transfers to Mail, Facebook, Twitter contacts 4. Top up from another bank card 5. Clear transfer fee
Brief form allow to make transfers to domestic or international accounts
Instruction minimizes the possible difficulties of transfer
Card-to-card transfers is much easier way to send small money amounts to your friends or colleagues
Most advanced transfer feature allow to connect your Facebook, Twitter, Gmail, iCloud contacts and choose any recipient right from the contact list even not knowing their payment data
Appearance and layout of elements makes a cardto-card transfer maximum simple and clear
On the same page a user can top up his card from his another card of another bank
You will see instantly what the transfer fee will be
All bank products at a glance
All bank products at a glance 1. Online marketplace instead of list 2. Autocomplete search 3. Offers separation by category and purpose 4. Image based Offer Cards 5. Tailored and TOP used services 6. Social sharing 7. Community
Easy to find needed service through category (investment, loan, card, stocks, etc.) or purpose (family, retirement, home, car, etc.) Featured offers divided by categories Every offer card designed to attract user’s attention and promote exact bank service Rethinking banking products promotion, as a modern online market which is friendly and familiar for millennials. Self-service instead of branches and consultants, improve knowledge of financial products, encourages exploration and saves time to consumers Users can add comments to the service delivering feedbacks to the bank and creating community support for bank products. Shows bank transparency and generates social proof of service quality. Allowed only for public offers
Bank featured products banners. Great way to promote services
Direct search using autocomplete Primary page with specially promoted and user profile fitted banking offers. Can be added automatically an picked manually by advisor. Allow drastically increase user engagement. The list may vary depending on the account Quick view of recently browsed services Way to browse the interesting services that are popular among other users All bank offered services in one place Let’s make bank more social. Ask for help from people like you, share your experience about bank services, explore actual topics and feedbacks from social networks You can spread the word about this product to your friends in social networks. Along with comments this will enrich user experience with integration into the social context. Allowed only for public offers
UX Design Agency background UXDesignAgency aim is to reinvent finance industry by delivering thoughtful user interface solutions. In past 3 years UXDA have successfully helped 30+ online banks, fintech services and tech startups engage their customers with delightful user experience through user-centered design. UXDA team combine design with scientific approach based on cognitive psychology to ensure solutions that delight customers and solve their problems. To achieve that we execute researches, architecting, wireframing, UI designing and testing.
Our team would be happy to make your online service interface design simple and clear. Check out our portfolio: uxdesignagency.com/portfolio
Simplify Finance create user experience with UXDesignAgency.com
E-mail: info@uxdesignagency.com Skype: uxdesignagency Web: www.uxdesignagency.com