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Conceptual Banking App

Finding the right copy, UI and UX for a younger financially literate audience


  My Role

 UX Design    Research       Writing



 4 weeks






Metrics used

Time To Value




  • Reexamining the older design

  • Competitive research


  • Building the prota- persona


  • Lofi Wireframes

Bring to Life

  • Prototype


  • User testing 

  • Post user testing



The Challenge

Based on an older design for a UX writing challenge, the first iteration lacked refinement, research, and testing with the limited time I had. I wanted to investigate financial industry terminology and expectations to help shape the language and interface.

The Goals

  1. The first goal was from a business perspective, experimenting with other ideas to have users engage with the product

  2. The second was from a user perspective, putting the language through user testing, revealing pain points and opportunities for improvement with the text's relationship with the user and the UI. 

The Original Design

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This design was thrown together quickly, with a larger focus on the content rather than the UI or a solid understanding of traditional financial applications.

Competitive Research

Note: I couldn't take screenshots of these banking platforms due to their built in safeguards 

I did competitive research for tone and UI experience for two banks and one credit union to see how they handled the auto pay experience


Pros: Doesn't require any manual number entry if the user doesn't want to

Cons: Payments are on a fixed date that can't be changed

Click States: 4 taps/clicks to set up and confirm autopay schedule and amount

Pros: Has an a amount limit that user can input if the bill is too high for their liking

Cons: Cluttered interface, confusing language

Click States: 5 taps/clicks to set up and confirm autopay schedule and amount

Pros: Easy interface to change dates, the language in the drop down menu is concise

Cons: There is no clear language to set up auto pay until you get into the "at this time:" drop down menu

Click States: 10 taps/clicks to set up and confirm autopay schedule and amount, with mandatory input fields for the date


Everyone, say hi to Julia. Julia is a prota persona that will be helping with the rest of our journey. 

She is 29, has a median income of 55,000 USD per year and has a healthy financial literacy with everyday bills and savings. 

Frustrations: Not having enough options to maximize her personal finances. ​

Goals: Engaging with a platform that has robust options for her personal finances without being overwhelming. 

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New Wireframes


Bring to Life


I used a more traditional interface, wanting to build more trust and still use the supportive tone with the confirmation message.


User Testing Parameters


For this app test, I recruited three participants

  • The average age was 33

  • Previous experience with banking/financial platforms for managing day to day expenses

    • average financial literacy, no stock market analysts​/brokers



The metric that I used to guide my testing was

  • TTV (Time To Value) (my initial estimate was less than 60 seconds)

    • Specifically keeping track of time with regards to the automation screen states

Post test questions

My top concerns were on the middle three screen states and the final screen. 

  • Was there at any point you wanted some customer support option? Or prompts from the application to guide you? 

  • Did you understand the services that were being offered on the final screen?

  • Were there services you would like added or taken away from the final screen? 

  • Did you understand how much you were paying each month? 

  • At any point did the language feel ambiguous or failed to instruct you? 

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User Journey

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Testing Results

The good: 

  • Users enjoyed the interface's simplicity and the language felt supportive and unambiguous at nearly all times

  • The average time was just over a minute 

The not so good: 

  • There was some confusion over the "do not pay if amount is over ___" input field and if they needed to interact with it

  • One user was wondering if they needed to keep going because the buttons on the last screen seemed like an additional step

  • The "you can change this at any time" language above the confirm button should have been "you can change these settings at any time"


The Bad

  • There was some frustration over the fact that in the drop down menu, it doesn't show you the amounts next to the language so there was some eye's hunting for that information in the next screen state

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UX Copy: The best way to help Julia will be more focus on the text language aiding the smaller actions within automatic payment set up. I ended up focusing more on the UI for this project more than anticipated.

User Interface: The payment screen was too bloated. It could have benefited from progressive disclosure or a simplified screen. 

User Experience: While that user journey had been completed successfully, I wonder if there were other opportunities/valuable CTAs to capitalize on for Julia right after completing her task successfully. 


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