[az_special_heading heading_type="4" heading_color="custom" heading_size="custom" heading_style="italic" heading_align="textaligncenter" padding_bottom_heading="0" animation_loading="yes" content_heading="Fast, user friendly and feature-rich mobile banking." custom_heading_size="20" custom_heading_color="#828282"][az_divider div_style="short" div_type="thin-solid-div" margin_top_value="48" margin_bottom_value="48" animation_loading="yes"][az_special_heading heading_type="6" heading_align="textaligncenter" padding_bottom_heading="8" animation_loading="yes" content_heading="Copyright Asseco SEE"][az_special_heading heading_type="6" heading_align="textaligncenter" padding_bottom_heading="48" animation_loading="yes" content_heading="2014."]

[az_column_text animation_loading="yes"]Asseco is an IT vendor that provides white-label and custom digital products to banks.  I was leading user experience of mobile banking as “The Team of One” UX designer. This product was already mature and I was hired to work on the next generation of mobile banking product. Business goal was to offer this product to banks alongside with the core back-end. One of the selling points was the ability to customize the branding of the application in a effortless way.[/az_column_text]

[az_column_text animation_loading="yes"]For me this was a great experience, we covered a lot of ground and it was a great way to learn how to implement valuable UX processes into a company that had no prior experience with internal design team. Our biggest challenge was to create pleasant experience without internal research resources or a budget. Based on users ratings, I believe we managed to get it just right. Working on mobile banking applications was great satisfaction as even prior to my arrival at Asseco, I was using their products daily.[/az_column_text]

[az_special_heading heading_type="3" heading_color="custom" padding_bottom_heading="16" animation_loading="yes" content_heading="Banking shouldn't be scary" custom_heading_color="#828282"][az_column_text animation_loading="yes"]I remember my first banking experience; it was scary. Our goal was to get rid of technical terms that banking is usually riddled with, and for those that are mandatory we created a glossary of banking terms to simplify the experience. Onboarding helped in priming users for their first experience within different application modules.[/az_column_text]

[az_special_heading heading_type="3" heading_color="custom" padding_bottom_heading="16" animation_loading="yes" content_heading="Simplified journeys" custom_heading_color="#828282"][az_column_text animation_loading="yes"]Instead of filling out the bill forms, you can take a quick scan and pay in a snap. You don’t have to log in in order to find a nearby ATM or make a quick currency exchange calculation. Trading much? Changes on your account are shown in a pre-login widget, no need to navigate through the app.[/az_column_text]

[az_special_heading heading_type="3" heading_color="custom" padding_bottom_heading="16" animation_loading="yes" content_heading="One tap experience" custom_heading_color="#828282"][az_column_text animation_loading="yes"]We embraced a widget approach, which was validated through user research as the best practice to offer users the ability to tailor their own banking experience. This enabled us to create an experience each user can adjust based on his/her needs.[/az_column_text]

[az_special_heading heading_type="3" padding_bottom_heading="32" animation_loading="yes" content_heading="Personas"][az_single_image image="1988" image_mode="img-full-responsive" image_alignment="aligncenter" animation_loading="yes"]

[az_blank_divider height_value="56"][az_column_text]A local bank hired an external agency to conduct a UX workshop and our team was invited to participate as a partner that will take over the development. With people from different business units, we uncovered different business objectives and learned about users profiles from their perspective and from the data they gathered. During the workshop we discovered a wide range of personas that were using mobile banking applications, ranging from students to retired people. This enabled us to think about different experiences tailored for a wide range of use cases. The outcome was an assumption that each persona will use this product in different way and have different expectations of the mobile app. As an example, an investment banking-oriented user expects a different experience than the "heavy" credit card usage oriented user.[/az_column_text]

[az_special_heading heading_type="3" padding_bottom_heading="32" animation_loading="yes" content_heading="Need finding"][az_single_image image="1703" image_mode="img-full-responsive" image_alignment="aligncenter" animation_loading="yes"]

[az_blank_divider height_value="56"][az_column_text]As we didn’t have user research embedded in our team, we conducted interviews with the “Friends & Family” approach. This was also our testing community later on. The outcome was a bunch of needs we already covered with the old product as well as some new use cases that we later included in the application. Some patterns emerged from this  – “When I am on the go, I want to quickly see my balance”, “When traveling I often Google ATM and branch locations”, “I mostly send money to my family members”, and “I want to be notified when there are changes on my account”, etc. These were valid use cases, which we translated to wireframes to test if they were valid features.[/az_column_text]

[az_special_heading heading_type="3" padding_bottom_heading="32" animation_loading="yes" content_heading="Sketches & Wireframes"][az_single_image image="1703" image_mode="img-full-responsive" image_alignment="aligncenter" animation_loading="yes"]

[az_blank_divider height_value="56"][az_column_text]We explored a bunch of prototypes of different application features. Developers brought a lot of knowledge to the table and we were able to create initial features that leveraged on the mobile device technology. The outcome was ATM navigation relying on GPS and real-time location, covering the phone light sensor by hand enabled showing sensitive data, and changes on the account were solved by simple push notifications.[/az_column_text]

[az_special_heading heading_type="3" padding_bottom_heading="32" animation_loading="yes" content_heading=" My banking is as flexible as a widget!"][az_column_text]"Static dashboards are cumbersome" was a number 1. comment users mentioned during user testing. By giving users simplified ability to organize their personal banking space, we addressed many of the needs that are expected in order to achieve a personal touch for each user. For users that do not prefer to fiddle around with tailoring their experience, we offered a default dashboard based on services they had active on their account.[/az_column_text]

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[az_special_heading heading_type="3" padding_bottom_heading="32" animation_loading="yes" content_heading=" Cross mobile platforms UX"][az_column_text]On the interface side, mobile banking is accessed from a variety of devices: from tablets to different mobile platform operating systems. Our users value thinking out of the box, but prefer expected application patterns on their device. Each mobile platform experience was approached individually – Windows phone users were extremely grateful that we approached their platform with patterns that were expected.[/az_column_text]

[az_special_heading heading_type="3" padding_bottom_heading="32" animation_loading="yes" content_heading="Many mobile banking applications are running Asseco JiMBa platform"][az_column_text]"Static dashboards are cumbersome" was a number 1. comment users mentioned during user testing. By giving users simplified ability to organize their personal banking space, we addressed many of the needs that are expected in order to achieve a personal touch for each user. For users that do not prefer to fiddle around with tailoring their experience, we offered a default dashboard based on services they had active on their account.[/az_column_text]

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