UX Design • UI Design • Mobile

Designing an onboarding process for a mobile banking app

April 2022 to June 2022

The product

MapleBank is a fully online bank looking to expand its market in Canada. As a bank, they have a number of features that can be accessed by either mobile and desktop apps depending on the feature. They would like to increase their mobile user base.

The challenge

The goal was to create a new feature that MapleBank will use to entice new customers to sign up for their product. This product must address a critical financial need of the new market's user base. We were tasked with creating an onboarding flow for the banking app that would guide them through a workflow to so they can start using the app.

My role

I was responsible for analyzing user research and conducting a competitive analysis. I also worked on the design and functionality of the new features as well as the wireframes, prototypes and UI elements. I worked on this project along side a team of three others. As the personas were provided to us, our focus was to create the design and user interface. We worked on analyzing personas, creating journey maps, and defining the product. A large portion of this project focused on the UI elements.

Solution

MapleBank doesn’t have a way to help it’s customers manage their income and expenses on their mobile app in an easy, and simplified way. To draw users to the mobile app, we decided to create a feature that would benefit from an accessible and mobile approach. From the personas provided, the idea of a built in budget tracker with the financial institution would be useful.

Defining the product

MapleBank is a bank that is looking to offer a new product in order to attract new customers. First we selected a persona to analyze so we could understand their needs in order to identify a new product. We focused on Monique, a single mother with a desire to start consistently saving money for personal goals and life events. We decided to create a financial planner that was integrated with her bank to help her manage her spending and saving.

User persona
Monique Abebe
Age               35
Job               Accountant
Income       $67 500

Monique is a mother of 2 and is divorced but on good terms with her ex. She enjoys flexible hours as a freelance bookkeeper so that she can be there for her children's extra-curricular activities. One weekend nights, she meets her friends at the movies or in quaint bars in her neighbourhood.
Functional Needs
Needs money for her kids college education
Strict budgeting to manage multiple income streams
Travel once a year with her kids
Social Needs
Provide for her kids and make sure they experience a life full of learning
Available for her friends

Personal needs
To feel in control and on top of her revenues and expenses
She does not want to compromise on her independence or social life despite having kids

This persona was provided to us by MapleBank

From her persona, we noticed Monique was looking to have full control over her finances. One way she can accomplish this is by tracking her multiple income streams and expenses in one place. This way she can create financial goals and keep herself accountable.

Product goals

So how might we enable Monique to easily keep track of her finances? Who is our target audience?
1
Those who manage multiple streams of income

As a freelancer and a divorced mother, Monique has income from various sources and that can be inconsistent at times

2
Those would would like to better manage their money

She wants to feel in control of her revenues and expenses to ensure her life is full-filling without being stressed out by her finances

3
Those who intend to save

She would like to save money for larger upcoming life events such as college for her children or travel

4
Those new to budgeting or who already have some experience

As an accountant, and someone who runs her own business, Monique has an understanding of managing her personal and professional finances

Our solution to Monique's problem was to create a financial planner that could help her create and manage a budget to help her achieve her goals. A planner that is integrated with her bank can reduce additional work on her side and help her track her spending and saving.
Research
To begin our research, we wanted to look at different ways people are able to manage their income and expenses. We conducted a competitive analysis, and created a user journey map to better understand.
Competitive Analysis
We took a look at four different budgeting programs, both mobile and web based apps.
You Need a Budget App
RBC NOMI
Government of Canada Budget Planner
Monzo Bank App
Positive experiences
Negative experiences
User journey map
From going through the tutorials these competitors provided, we were able to draw up a user journey map. This journey gave us an understanding of how one might navigate the process of making a budget.

She feels that creating a budget can be overwhelming because she might not know what type of budget she is looking for. She has limited time to dedicate to budgeting and there are many budget planners and advisors available online, each with their own advice. She notices that MapleBank can help with an integrated planner so she does not have to input the data herself, saving her time. The insights MapleBank offers help her feel confident that budgeting and reaching her financial goals are no longer a distant dream.

Journey map of Monique learning about budgeting programs and selecting the MapleBank Financial Planner
Ideation
When ideating, we had to decide how the product would take shape. We had to consider mobile versus web, the complexity of the budgeting app depending on the average user, and how this app would differ from other apps available
Mobile vs web app
Next came the decision to decide whether to make the product a mobile or web app. From research provided by MapleBank, we learned that 75% of individuals check their account balance on their phone and 62% of customers use their phones when transferring money. Additionally, the competitive audit showed many apps were accessible on mobile.
Page ideation
We thought about which pages and user flows we wanted to focus on and what user goals were the most important to consider when creating our workflows. We decided to focus on one user flow: the creation of a budget within the bank app. After thinking about the pages and user flows, we drew up low fidelity wireframes to get an idea of what the app could look like. For the onboarding flow we decided to get the user to start filling out their budget right away with encouraging messages at each step

Sticky notes to show page ideation and flows

Multiple iterations of user flow wireframes (low fidelity and medium fidelity)

For the onboarding flow we decided to get the user to start filling out their budget right away with encouraging messages at each step.
Design

One of the main goals of this project was to focus on the interface design and improve our design skills. We were tasked with creating a style guide for our app and describe our design choices as part of the process.

Tone and Colour

To determine our colour choices, we considered the mood and tone of our app and the message we wanted to send our users. We wanted to make the tone was positive and friendly to ensure the process of creating a budget as easy and stress-free as possible.  

Primary

For our brand colours we decided on two shades of cool blue-green and a soft blue with a green hue. Green is meant to indicate freshness, and progress. The cooler tones convey a calmness, important when tackling financial tasks.

Blue is often seen as a sign of stability and reliability. Businesses that want to project an image of security often utilize blue in their advertising and marketing efforts.

Accent

We have chosen orange and a vibrant, warmer green as the accent colours to highlight specific UI elements and provide contrast to our primary colours.

Orange has very high visibility and is often used to gain attention but is softer than red, which is reserved for errors and warnings. The warmer green compliments our primary colours while still being vibrant and drawing attention to important elements.

Neutrals

For our text colours, we selected black and white as they are simple and neutral, as well as easily legible with our chosen colour scheme.

Our selected neutral colours provide additional depth and balance to our colour palette. The warm gray chosen conveys a sense of security and warmth with a slight contrast to the cool toned primary colours. The deep navy blue compliments and unifies the primary colours while again highlighting the sophistication of the banking app.

Typography
Why Lexend fonts?

Lexend fonts are intended to reduce visual stress and therefore improve reading performance. Initially this font was designed with dyslexia and struggling readers in mind, but Bonnie Shaver Troup, the creator of the Lexend project, soon found out that these fonts are great for everyone.

User testing

Multiple rounds of user testing were conducted as we developed our prototypes. While we improved functionality of the app as well, focus was given to improving UI elements to enhance clarity and usability.

Results

We went through multiple iterations of the product as we developed prototypes. Through our user testing we addressed usability and functionality concerns that were brought up. Iterations in detail can be seen on the Archive Page of the Figma file.

Examples of results

We prototyped, then we presented our prototypes for user testing. We repeated this process multiple times with three major design changes. The first iteration focused on UX design and element placement. Then we added in colour and added adjustments to enhance clarity. Lastly, we iterated once more to make the design more cohesive and functional, using colour to do this. Some elements we focused on during our iterations based on feedback from user testing are explained in more detail below.

1
Progress bar
  • Usability testing revealed that some users did not realize it was a progress bar
  • Users liked the idea of the progress bar and liked knowing how many steps there were
  • Users wanted more clarity on which step they were on
2
Shape and colour of elements
  • Users liked the softer edges and felt it made the process more inviting
  • Users liked that we use colour to indicate which sections were completed
3
Clearer titles and examples of inputs
  • Users appreciated clearer titles as they felt "Savings" was too broad
  • Users said seeing examples of what to save for helped them figure out what they were saving for
4
Tips and motivational prompts
  • Users new to budgeting did not understand the different types of budgeting available
  • Not all users liked that the tips were always on screen but liked that they were available without leaving the onboarding process.
  • Users liked the motivational prompts that reminded them why they were going on this journey even if it was a bit stressful

Come create a budget with us at MapleBank

See wireframe for developer hand-off

Learning outcomes

1
What did you learn?
  • Usability testing is essential to produce a product that is the right fit for the user and not what are our expectations of the user are
  • It is important to play to the strengths of each team member
  • How to adjust adjust design elements to convey the tone and mood and functionality
2
What didn't go as expected? How did you overcome this?
  • We had to adapt to personal emergencies when working on the project and we had to work with time zone differences with different team members
  • We reallocated the work and exercised empathy for each team members situations' and we ensured meeting minutes and checklists were up to date so that all members were informed
3
What would you change if you had the chance?
  • Creating a desktop/mobile web version for those who do not wish to download the app
  • We would do more user research to verify which features are wanted by users