Finance Super App
This project launched a suite of financial apps for BS2 Banco, starting with Internet Banking and credit card acquiring services for SMBs, built on top of their existing payment solution. We had 45 days to deliver two core products and lay the foundation for future features and partner integrations.
Role
Product Designer
Timeline
~2 months
My role
As the main designer for this project, I covered the project from end-to-end including Discovery, Research, Mapping, Prioritization, Illustration, UI e Design QA. Some other areas that helped me in executing some tasks were: Sales, CX, Marketing, Stakeholders.
Branding and color were already established by the marketing team.
Approach
This project was an initial MVP, with planning for future iterations. So we decided to take an Agile Dual-track approach. The first step was to find a solution to connect all those apps and make it effortless for the user to change from one product to another.
Project's Prerequisites
Focused on scalability
Discovery stage for backlog generation
Product backlog for future iterations
Support multiple products and partners
Process
Research
We conducted both qualitative and quantitative research—interviews and surveys—to better understand our target users and identify their core needs. These insights helped shape the MVP and highlight opportunities to differentiate the product from competitors.
Research Conducted
Surveys to understand and map user profiles and create personas.
Analysis of quantitative data from the existing payment product
Face-to-face and phone interviews to uncover user needs and prioritize MVP features
Collaboration
To map the product its user journey's some facilitation workshops were conducted. Those workshops included everyone from users to developers.
Tools Used
CSD Matrix
Service Blueprint
Research and collaboration workshop artifacts
Mapping
In order to map all the MVP features I used some tools and techniquies - which also helped put everyone at the client's office on the same page.
Tools Used
Mind-mapping
User story mapping
User journey mapping
User journey and feature mapping sessions
Prioritization
Since it was an ambitious project and the approach was to work through iterations, the research and facilitation outcomes were brought to meetings with the board where we separated the user stories in big releases aligning the user interests with the stakeholder's view.
Feature prioritization and roadmap planning
Reference & Benchmark
This step of the ideation stage was taken to help perfect the concept. Desk research is a cheap and fast way to gain a broad understanding of the field, through benchmarking we can learn with solutions already on the market.
Competitive analysis and benchmark research
UI Concept Exploration
At this step, some preliminary concepts were created to help sell the vision of the product.
UI concept exploration and visual ideation
Wireframes
Wireframes were very important to rapid prototype and validate stakeholders ideas, some sketches were made through workshops, others were only digital wireframes to consolidate ideas.
Digital wireframes and user flow validation
Solution
The solution we found was to connect all the services in one place, with one login, making it easier to manage the financial life of a company. In order to make this vision of a financial super app become a reality - where others could connect their API and create an interface inside this app for their services, we prepared a good foundation and started with two products Internet Banking and BS2Pay.
The time frame of 45 days was set to create two products and the foundation for partners and other products to come.
Foundation Items Required for the Products
App Drawer
SSO Login
Modular onboarding
Modular app-building tools for the partners
Solution
The solution we found was to connect all the services in one place, with one login, making it easier to manage the financial life of a company. In order to make this vision of a financial super app become a reality - where others could connect their API and create an interface inside this app for their services, we prepared a good foundation and started with two products Internet Banking and BS2Pay.
Login
For this idea of a Financial super app to work, we developed an SSO solution, so with one login and in one place the user could take care of all the financial needs of their company.
Side Menu & App Drawer
To make it easier for the user to change from one app to another a fixed side menu was created. This drawer of apps and services was also created so the user could easily opt-in in new products without the need to insert all their data again.
Modular Onboarding
With so many apps and products coming we designed a solution that made it easy for the user to start using new products, so we came up with a modular onboarding system.
Style Guide & Design System
The need for scalability and speed made it that we needed to start creating a strong base for a future design system. To achieve that, we decided to use the Atomic design as a method to create the components and establish our initial styleguide.
Development
Handoff & Design QA
The handoff to the development team was made trough Zeplin, but since they had already coded all the components for the styleguide the effort for it was greatly reduced, giving the development the speed necessary.
After every flow coded I as the designer went to validate if the design was right.
Key Deliverables
Component library coded in advance
Design specifications through Zeplin
Quality assurance for each coded flow
Ongoing design validation support
Metrics
Success metrics were established to measure the effectiveness of the design solution and business outcomes.
Indicators Used to Measure the Product Success
Account opening rate
How and which features the user was using daily.
The goals directly aligned with the business unit OKRs.
The motivation to open an account or stop during the process of it and if it was aligned without value proposition.
Conclusion
Takeaways
This project could have been better executed if we had the chance to understand better the scope of the project. This way the sales team could ask for a better time frame to deliver.
For the next project, we started to map first what we have to do, the initial scope before accepting the deadline. Another lesson learned is that even a product is a commodity there is a lot of room for improvement, and I should have made benchmarking in different markets.