The Mobile Banking Landscape
While the original scope of our engagement only included enhancing existing application flows and features, we dedicated time for evaluating the competitive landscape and auditing the current state app in detail to ensure we could create an intuitive experience for users with the mobile banking features that matter most to them.
Based on our research findings and the current features of the application, we prioritized several significant improvements to the information architecture of the existing user flows.
Some of the larger changes we intended to make to the existing features included:
- Providing immediate access to account balance in an unauthenticated user state through an Account Preview feature
- Consolidating all account balances into a single dashboard where you can see the big picture of your finances at a glance
- Unifying the transfer and payment user flows
Simplifying the Transfer & Payment Experience
Our initial sketches and prototypes lead us towards a completely unified experience for transfers, payments, and paying another person. We imagined a single flow under the moniker "Move Money", relying heavily on dependencies to take the mental burden off of users.
Due to the technology constraints of the banking platform and feedback from users, we decided to tailor our initial proposed experience. While "Move Money" was put on hold, our exploration led us to an idea for a single view flow within each transfer or payment type that would help users complete the respective tasks with as little effort as possible (detailed below).
Exploring with High-Fidelity Prototypes
After creating a click-through prototype and revising user flows for the rest of the applciation, we moved into UI design and high-fidelity prototyping to further refine and prepare for development.
The prototype below showcases an account landing view. The UI direction we created focuses on layering and dimensionality to help enhance a user's spatial awareness within the app – account details for individual accounts are displayed over the current context of your account overview, rather than using a push segue to another view.