Recently, a national bank came to us with an intriguing request. They asked us to create a vision of what the near-future state of the digital banking experience may look like from a consumer’s perspective. Designing a world where digital experiences better connect consumers with their financial lives? This is the very work on which we thrive.
In developing the concept, we considered these guiding principles:
The designs exist within tablet and mobile devices that may be 1-2 generations in the future. These devices will include biometrics devices (fingerprint, retina etc.) and have a more edge-to-edge glass like form-factor.
While focused on tablet and mobile devices, the experience has been created to scale elegantly to very large desktop screens (or even, large wall mounted tablet devices).
The concepts are for a bank that offers a full suite of products and services, from checking to investments. The design will ‘collapse down’ elegantly for institutions with a smaller product footprint.
Similarly, for the customer, the design takes advantage of all the bank’s products on offer. If they used less, the experience will scale down.
The entire experience is optimized for touch interactions. Always rewarding every interaction with delightful and responsive visual feedback.
The design utilizes progressive disclosure – rather than trying to present all information at once, like a link farm, the user touches key information and more details are progressively displayed.
This way, the user does not need to use primary navigation and it leads them on a personal journey to the information and eventual action needed.
For the logged-in, online banking state, the goal is not only to let customers view key information at a glance and take key actions with a single touch, but also to help them understand their finances at a higher level, to aid in both long-term and short-term decision making.