Read detailed case study that reveal digital banking concept UX design process: http://www.uxdesignagency.com/blog/ux-fintech-case-study-of-how-online-banking-design-should-work © This concept is designed by UXDesignAgency.com and is exclusive property of BofI Federal Bank. All rights reserved. UXDA is a leading UX design agency for finance that helping online banks and Fintech startups engage their customers with a delightful user experience through user-centered design. UXDA is included in the TOP3 Innovative Banking providers in Europe according to European Fintech Awards 2016 and in the TOP15 user experience agencies worldwide according to Clutch Research. 
 We combine design with scientific approach based on cognitive psychology to ensure solutions that delight customers and solve their problems. Our team would be happy to make your online service design simple and clear. We are experienced in digital banking, fintech, payments, forex, CFD, fast loans and charity. Our service includes usability/business/customers research, information architecting, ux strategy, ux consulting, ux architecting, user journey mapping, web ui design, mobile ui app design, tablet ui design, wearable ui design, ui prototyping, testing. Are you a fintech startup or a bank? Find out financial service UX design rates, portfolio and working process by User Experience (UX) Design Agency - http://www.uxdesignagency.com UX Design Case Study: Reinventing Online Banking User Interface For Millennials In fact, banks are acting too slowly in digital. On the one hand, they can commit to fintech a lot of money, on the other — conservatism and bureaucracy seriously hamper. It seems like some of them still can’t believe that majority use mobile apps and even “worse” — want to use a tablet or wearable for banking. Maybe that’s why not every bank has mobile banking or gives you full functionality through it. Of cause, there are some innovative banks, and they have omni-channel digital banking, but another problem occurs — lack of usability. We ask people about their most pleasant digital experience, and no one remembered banking dashboards, while 18 % usе it every day. Only several finance services like Mint and Moven appears. Why is it so? Banks have their huge budgets and are able to get best UX experts from market to fit their dashboards, but we don’t see encouraging results. Perhaps we looked at the wrong bank. Anyway, we decide to offer you our team vision of digital banking as it should be for touch screens. Such, that we would be happy to use by ourselves.

1. What could be the
future of online banking?
Inspiring UX design concept by UXDesignAgency.com
Reinventing the banking experience for millennials

2. Are you happy
with your digital banking?

3. We are familiar with key drivers of
digital banking revolution
Personalization
Transparency
Self-service
Mobile first
Simplicity
Aesthetic
Holistic

4. But is that the whole point?

5. No.
It’s about people!

6. But not only their pains

7. And not only their needs

8. It’s about users passion.

9. What is an ideal
digital banking for you?

10. 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

11. Let’s deliver
delightful experience

12. Helps without
authorization

13. 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

14. Instant search of nearby objects
If a user can’t login, he knows
where to call
Call in case of a card loss or
A call to become a customer
A simple way to contact the
bank
Currency rates’ dynamics
and current rates with an
integrated calculator
The nearest ATM or branch
is indicated on the map
We can distribute traffic between
branches using markers: “time
until closing” and “waiting in line
Promotion of bank services
Latest news and messages from
bank

15. Financial status
on a first page

16. 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

17. Convenient filter simplifies a
search of necessary transaction
The menu is clear to understand
because of small amount of
elements and simple icons
Actual information on last
transactions upon the login
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
Main information on each
transaction
Fast slider-menu for each
transaction allow to find similar
transactions or make back
payment in one-click
Access to a more detailed
information on transaction
Instant information on expenses,
income and budget for a choosen
period
Clear and visible balance
statement
All expenses at a glance with
clear understanding of safe-to-
spend 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
Slightly slide side-bar to the right
to see transaction list in advanced
mode

18. Several
accounts & cards

19. 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

20. 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
Selecting a certain category, only
the transactions of that category
are shown in a main window
Push to see accounts list and a
fast menu
Access to a detailed DoD and
MoM expenses statement, budget
restrictions and savings goals
setting

21. Payments in
three clicks

22. 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

23. 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

24. Autocomplete makes a
maximum quick search
Information about fee for
different payments and
transfers
The system remembers
regular payments and
reminds, if user forgot to
make a payment
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
Private advisory also includes
notification and promotion systems to
inform and engage user
A clear to a user structure
and names of the
categories

25. Money transfer in 30 seconds

26. 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

27. Instruction minimizes the possible
difficulties of transfer
You will see instantly what the
transfer fee will be
Appearance and layout of
elements makes a card-
to-card transfer maximum
simple and clear
On the same page a
user can top up his card
from his another card of
another bank
Card-to-card transfers
is much easier way to send small money
amounts to your friends or colleagues
Brief form allow to make
transfers to domestic or
international accounts
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

28. All bank products
at a glance

29. 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

30. 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
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
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
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
Easy to find needed service through category
(investment, loan, card, stocks, etc.) or
purpose (family, retirement, home, car, etc.)
Bank featured products
banners. Great way to
promote services
Direct search using
autocomplete

32. 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

33. Simplify Finance
create user experience with UXDesignAgency.com
E-mail: info@uxdesignagency.com
Skype: uxdesignagency
Web: www.uxdesignagency.com