Banking App for SMB Owners

The Challenge

SmartBank wanted to offer a relevant banking experience for SMB Business Owners. Data revealed that this kind of audience represents 70% of Brazil’s economy and this kind of business employs almost half of the country’s population.
Business banking accounts are usually offered by the biggest banks as a copy of personal banking accounts without taking in consideration business needs.
SMB Business Owners are very busy. They need to check an endless task list every day. They need to handle several critical activities like sending invoices, working as the business cashier, paying for goods, checking invoice payment status, buying goods for business, selling goods, taking of customers, giving their staff work directions, checking product quality, delivering goods for customers, etc.
The banking app had to be very easy to use and effective.

SmartBank wanted to offer a relevant banking experience for SMB Business Owners. Data revealed that this kind of audience represents 70% of Brazil’s economy and this kind of business employs almost half of the country’s population.

Business banking accounts are usually offered by the biggest banks as a copy of personal banking accounts without taking in consideration business needs.

SMB Business Owners are very busy. They need to check an endless task list every day. They need to handle several critical activities like sending invoices, working as the business cashier, paying for goods, checking invoice payment status, buying goods for business, selling goods, taking of customers, giving their staff work directions, checking product quality, delivering goods for customers, etc.

The banking app had to be very easy to use and effective.

SmartBank wanted to offer a relevant banking experience for SMB Business Owners. Data revealed that this kind of audience represents 70% of Brazil’s economy and this kind of business employs almost half of the country’s population.

Business banking accounts are usually offered by the biggest banks as a copy of personal banking accounts without taking in consideration business needs.

SMB Business Owners are very busy. They need to check an endless task list every day. They need to handle several critical activities like sending invoices, working as the business cashier, paying for goods, checking invoice payment status, buying goods for business, selling goods, taking of customers, giving their staff work directions, checking product quality, delivering goods for customers, etc.

The banking app had to be very easy to use and effective.

Primary Objectives

· Create a seamless and intuitive banking experience.

· Banking statement.

· Sales Report Tool

· Brazilian PIX, instant payment option.

· Brazilian Boleto, a kind of payment slip sent together with invoice.

· Wire Transfer.

· Credit Card Issuing process.

· Credit Card management features.

Create a seamless and intuitive banking experience.

Banking statement.

Wire Transfer.

Credit Card Issuing process.

Credit Card sale method.

Sales Report features

instant payment (Brazilian PIX)

Brazilian Boleto, a kind of payment slip sent together with invoice.

Create a seamless and intuitive banking experience.

Banking statement.

Wire Transfer.

Credit Card Issuing process.

Credit Card sale method.

Sales Report features

instant payment (Brazilian PIX)

Brazilian Boleto, a kind of payment slip sent together with invoice.

My Approach

As a UX Researcher, I was able to bring previous studies findings regarding business needs to the table.

I Interviewed several business owners and the research revealed collective needs and challenges among business owners. These were gaps that we could fill. My focus was to fill those gaps in these areas: user-centered design and mobile first experience.

The very first task I was in charge was to design the Brazilian Boleto for Mobile experience. It was clear that a lot of boleto features were optional. So therefore I identified the set of minimum required information to issue a boleto: Payer, Value and Payment Due Date. All the remaining information were designed to be optional.

Scope of Work

· Ethnographic Research

· Shadowing Research

· Ideation sessions

· Ethnographic Research

· Shadowing Research

· Ideation sessions

· Ethnographic Research

· Shadowing Research

· Ideation sessions

· Stakeholders Interviews

· End-User Interviews

· UI Prototyping

· Stakeholders Interviews

· End-User Interviews

· UI Prototyping

· Task Flows

· Usability Testing

· Service Design Blueprint

Prototype

You can try the prototype on the desktop without any plugin. If you have the Figma app installed on your device, you can also try it on a mobile browser.

Wellington Saamrin