I was responsible for logic and design in three corporate business teams: Deposits, Counterparties, Risk Indicator.
These are different products that have overlapping functions. It was important to maintain consistency in decision-making across all teams.
Deposit
Deposits are the largest product of corporate business. The UI/UX of the product is severely outdated, so one of the goal was to migrate the entire product to a new design system while simultaneously addressing UI/UX debt. The product includes: deposits, dual-currency deposits, savings account, tax savings account, individual deposit.
Goals → Result
Development of individual deposits →
Transitioning the entire process online, increasing the number of transactions
Addressing the UX/UI debt of the product →
Scenario audit, backlog creation, refactoring of key scenarios
Legacy UI/UX audit
Before start the redesign of the section, I audited the existing pages to identify areas for improvement and then compiled a comprehensive backlog of tasks. Following this, I prioritized the items in the backlog based on their business importance and impact.
Focused on reworking particularly intricate blocks, specifically those related to deposit conditions, to ensure clarity.
As part of the redesign process, I also implemented enhancements to the user experience. This involved incorporating new entry points into the help section, allowing users to easily access assistance and guidance when needed. Additionally, I identified key functions and features that were crucial for user interaction and productivity and relocated them to a floating panel for better accessibility and efficiency.
Based on feedback, users noted improvements in information comprehension and the ability to access additional details previously obtained from support managers. This feedback highlighted the enhanced ease of navigating information and finding supplementary details independently.
Simplification of application process
The next stage involved transitioning one of the deposit processes from offline to digital.
Individual deposit is a product that allows to obtain favorable conditions for deposits approved by the central bank
Previously, the process involved long waiting and visiting the office for each transaction requiring a dedicated individual from business. Moreover, the time for signing the transaction was determined by the central bank and was not always convenient.
As a result, we simplify the entire process to just two steps (previously there were 5):
Coordinate details with the manager.
Log in to the online bank and sign all documents.
an important feature was that all transactions were made in the Moscow time zone, and the user could be in any other time zone
therefore, a mechanic with hints and a timer was added
since the final decision is made by the Central Bank of Russia within a few hours (Moscow time), and the user may be in a different time zone, it was important to help the user not to miss the signing of the transaction
Counterparties
The service offers bank clients the opportunity to check the financial status of a counterparty they intend to collaborate with by requesting an online report.
Previously, only a free report with basic information from public sources was available. As a result, a new paid report with unique information from closed sources has been launched, allowing the product to generate revenue.
Search
Search serves as the entry point to the product. Through the search page, users could access a free report, order a paid one, or navigate to a page listing purchased reports.
Users complained about the lack of structure of free report. It took time for them to navigate through the search results and the list of reports.
After analyzing the old ux, we improved the logic behind generating the free report. Users responded positively to these changes.
Paid PDF report
The main challenge for design was dealing with unformatted raw data and an outdated platform (OBIP). It was necessary to identify the key patterns in the data and find the best way to present them.
Due to the outdated platform (OBIP), there were many technical limitations. Limited text formatting capabilities, minimal options for building tables and charts.
Summarizing, working with this system was very painful for both developer and designer.
It was important to bring a chaotic data set with random formatting into a readable form.
And yep. Enriched the report with data, making it readable despite all the limitations. And the product started generating revenue.
Risk indicator
The indicator allowed you to determine the current financial status of your company. If the indicator was red, then based on data, you could figure out what was wrong.
This indicator had already been implemented in the counterparty check and deposits, but it needed to be integrated into the entire bank's system.
Horizontal integration
In collaboration with other teams, we identified areas where service integration was possible.
My task was to embed the indicator into other teams' products.
The major ones included:
The main page
User profile
Payments
Thus, this product linked all teams through cross-functionality.
After analyzing all entry points to our team's products in the banking system (internal and external sites), I identified navigation problems.
As a result, navigation issues were addressed, and new integration points were found, increasing the number of active service connection requests.
