Smart Accounts
Smart Accounts is an ongoing project that offers an account aggregation solution for all 12 major banks in Romania. It is used as a plugin module to boost financial applications giving access to account information to financial institutions.
Project duration
2 years
Project Role
UI/UX Designer
Project Background
Smart Accounts was a in development product at SmartFintech subsidiary team for ITSS. At the start of my involvement in the project it was in the process of certificate and regulations acquisition stage with the National Bank of Romania. Once approved I had the pleasure of being involved from the very first inception phase of the product design.
The product represents a banking accounts aggregator solution. To be more explicit is a software that financial institutions, banking apps and other such partners can integrate in their software and can bring account information from all other major banks in Romania in one place.
Coordination tasks:
- Product refinement meetings with product manager and product owner
- Product refinement and development sprints
- Participate and ensure a good implementation and quality assurance of the project
- Coordinate with sales & marketing for assets requirements
UX Tasks:
- Business research and opportunities
- Competitor research and analysis
- Iterative custom UI's for various partners
UI Tasks:
- User flows research and design
- Sketching low fidelity mockups
- Iterative UI high definition designs
- Wireframing highly interractive app designs
- Coordinating with development team for implementation
Research & Tasks
Being a new concept altogether the information i had available was the technical document that i was provided with by the business and the Account Information Service Provider documentation.
Flow extract from AISP documentation
Competitor analysis prooved to be quite usefull, collecting examples from other businesses across european union. So the initial design of the project was requested and achieved in 2 separate stages:
First stage Dream big:
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Create an app that could function stand alone
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Design a user flow for the product
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Create a tailored custom User Experience
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Design how an app could look like
Second stage MVP:
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Extract the Customer Journey
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Design a headless integration user flow
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Accomodate all banks flows in one integration
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Generate custom designs for Partners
UI Design
The MVP was successfully developed by our team based on the winning designs. For the headless integration I chose to divide the design into 2 categories, one that we can control how the information is presented and the second part which is represented as a possible example on the banking app side, which we do not control.
After many iterations and possible generated user flows, we chose the designs and flows that focused heavily on the Customer Experience. Reasoning being the fact that it is something new on the market we wanted to create easy to pickup and use.
In this example we focus on what the flow looks like for customers. The interaction requires:
- As a user select a bank he has an account active with
- Choose the period he wants his shared information available for
- Validate the selected preferences in his bank account app
This design integration is done headless so the financial institution or app decides how it looks and feels like.
Our challenge lies in creating a simple yet very intuitive user flow that requires no explanation.
In the second part of the design we exemplified what a customer's journey led to by authorizing account information choices into his bank application.
The final step of the journey was exemplified to show the potential of the Smart Accounts solution.
Data displayed in these examples is mocked-up for privacy reasones
My contact information
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