BUILT TO BANK
Rebuilding online banking for a million members
PROJECT BRIEF
A skin-to-skeleton rebuild. New designs, new banking platform, new technology, all at once, giving members a modern, faster and trustworthy way to bank.
ROLE
- Design system lead
- Journey owner
TIMELINE
18 months, in progress
SCOPE
Build a whole new online banking experience for 1M+ members
PLATFORM
Web, iOS, Android
TEAM
20+ people product team with Designers, Devs, PO and BA
JOURNEYS I DESIGNED
22 of the 89 journeys in the replatform project.
Credit Score
See your credit score and what's affecting it.
CD opening
Open a CD with trust.
Withdrawal by Check
Request a check withdrawal in a few steps.
Product Explore
Compare banking products before choosing one.
Cash advance
Pull cash from a credit card in a minute.
Card Ordering
Order a new card in under a minute.
CD Maturity Option
Manage a CD’s maturity setting effortly. Renew in seconds
IRA opening
Open a retirement account confidently in a few steps.
Account Details
Full control over payments, details and transactions
Dashboard
A customizable dashboard help users access key feature and information.
Balance transfer
Move a balance from another card into your Alliant credit card.
Each journey shipped on web, iOS, and Android. These are one platform each.
Product design roadmap
Transferring to a new banking platform sounds exciting. However, 72% of journeys(54) in the roadmap need new designs IN ONE YEAR.
54 journeys, how?
Categorize them into three tracks
DESIGN SYSTEM ADAPTATION
Library
I spent 2 months turned all 7 libraries from vendor’s default into Alliant’s needs.
And started a custom library to make sure our designs are consistent.
img of custom library
show structure
show a complex component by me
Highlighted journey
IRA opening
IRA opening is one of the journeys under Track B. Huge business opportunity but extremely poor UX that needs a whole body surgery.
I was able to verify my assumption that people don’t know what to do when facing three different IRAs through surveys and data.
Guided IRA selection
Is a flow to help members figure out what’s the right IRA by understanding their needs and situations.
User confident level (scale of 5)
2.26 → 4.13
Pain point 1
“Don’t know what IRA is best for me”
The second big drop-off was the funding. IRA funding could be complex if users need to do Rollover or Trustee transfer. And both options were only available via paperwork in Alliant.
The biggest challenge here is thoroughly understand the IRA rules and benefits so I can design a decision tree that recommends the right product to members. Thankfully, we have AI today that largely shortened the whole process.
Pain point 2
Funding the IRA
SOLUTION 1
1. Opens first. Funds later.
Funding is always a big decision. But it shouldn’t be the blocker of having a retirement account. So, why not let them fund later?
2. Digitize the paperwork
Rollover their original IRA into Alliant.
SOLUTION
What we haven't proven yet 🚧
現在到哪：still in flight，Phase 3 進行中
沒有數字，而且說明上線後要看什麼
你放棄了什麼：沒有全部測、兩人平行造成的不一致、平台反悔造成的返工